Local Mortgage Advisor Shares New Housing Market Shift Impacting Seminole County Buyers and Sellers

Laura Meyers, Certified Mortgage Advisor with The Mortgage Firm in Altamonte Springs, is highlighting a significant shift in the housing market following the release of a new report from Realtor.com — and the news may signal increased opportunity for both buyers and sellers in Seminole County.
For the first time in recent years, more homeowners now carry mortgage rates above 6% than those holding rates below 3%. This milestone suggests the long-standing “lock-in effect” — which kept many homeowners from selling due to ultra-low pandemic-era rates — may finally be easing.
According to the report:

• Above 6% mortgages now lead: 21.2% of borrowers carry mortgage rates above 6%, officially surpassing the sub-3% group for the first time.
• Sub-3% share is shrinking: Only 20% of mortgages remain under 3%, down from 20.4% last quarter.
• “Swappers” are on the move: Life events such as job changes, growing families, and downsizing needs are motivating homeowners to move — even if it means giving up a lower interest rate.
• Pandemic-era ARMs are resetting: Many adjustable-rate mortgages are nearing the end of their fixed periods, which could lead to additional homes entering the market.

“This data points to a meaningful shift,” said Meyers. “For the past few years, historically low rates kept many homeowners from listing their properties. As more homeowners carry higher rates and life circumstances evolve, we may begin to see more inventory, more move-up buyers, and more balanced opportunities in our local market.”
For Seminole County real estate professionals and homeowners alike, this trend may open the door to strategic conversations about timing, equity positioning, and long-term financial planning.
Meyers encourages past clients, prospective buyers, and local realtors to connect for a personalized strategy discussion on navigating this evolving market.
To schedule a strategy call, contact Laura Meyers directly.
To request a copy of the full Realtor.com article, reply with “Send it!” and it will be forwarded promptly.
About Laura Meyers
Laura Meyers is a Certified Mortgage Advisor with The Mortgage Firm in Altamonte Springs, Florida. She specializes in guiding clients through market shifts with strategic insight, personalized mortgage planning, and a commitment to helping families make confident real estate decisions in every market cycle.