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If you locked in a mortgage rate around 3–4%, you may feel like moving is financially impossible — even if your home no longer fits your life. In this recorded seminar, I break down what many homeowners are experiencing right now: the 3.5% rate trap, often called the golden handcuffs. It’s the feeling of being stuck because giving up a low rate feels too costly — even when staying put has hidden costs. We cover: Why low interest rates can keep homeowners frozen The real tradeoffs between staying vs. moving When holding onto a low rate makes sense — and when it doesn’t How equity, lifestyle, and long-term plans factor into the decision Scenarios where downsizing still works, even with higher rates This session is designed for empty nesters and Act II homeowners who want clarity before making a move — not pressure to sell or buy. 📍 Serving Bethlehem, Easton, Nazareth, Bucks County & the Poconos 📞 Want to run the numbers for your situation? Schedule a no-pressure conversation here: 👉 https://calendar.app.google/H8RDyi17N...