For the past few years, many of my neighbors here in the San Fernando Valley have felt “locked in.” You love your home, but your family has outgrown it, or perhaps you’re ready to downsize to something more manageable. The hurdle? That ultra-low mortgage rate you secured years ago.
However, as we move through early 2026, the data shows we have entered a new phase: The Great Un-Pause. If you’ve been waiting for a sign to make your move, here is the educational breakdown of why the math is shifting in your favor.
1. The “Rate Gap” is Closing
In 2024, the gap between existing mortgage rates and new rates was a chasm. Today, with rates moderating toward the low 6s (and even high 5s for well-qualified buyers), that gap has narrowed significantly. When you factor in the massive equity most Valley homeowners have gained since 2020, the “cost” of a new mortgage is often offset by the large down payment your current equity provides.
2. Inventory is Growing (But Not Flooding)
We are seeing a 10% increase in active listings across Los Angeles compared to this time last year. For you as a buyer, this means choice. You no longer have to settle for “whatever is available” or skip inspections. You can actually find a home that fits your 10-year plan, not just your 2-year reality.
3. The “Equity Cushion”
The average California homeowner now holds record-breaking levels of equity. As a service-first advisor, I help my clients run a “Net Equity Analysis.” Often, we find that by selling your current property, you can put 50% or more down on your next home, keeping your new monthly payment much closer to your current one than you might expect.
4. Buying in a “Rational” Market
The frenzy of 2021 is gone. 2026 is a rational market. This is the best environment for a “move-up” buyer because you can often negotiate. Whether it’s a repair credit or a flexible closing date that allows you to move directly from your old home to your new one, the “human” element of real estate has returned.
5. Why Tech-Savvy Marketing Matters for Your Sale
Because buyers are more selective this year, your current home needs to stand out. My advertising background ensures we don’t just “list” your home; we “launch” it with high-fidelity video and targeted digital ads that reach the families most likely to be looking in your specific pocket of the Valley.
The Bottom Line: Don’t let a “rate lock” keep you in a home that no longer serves your life. The market has stabilized, affordability is gradually improving, and your equity is at an all-time high.
