3 Reasons Monument Homeowners Are Finally Ditching Their 3% Mortgages

For two years, nobody moved. But in 2026, the dam is breaking in Monument. Here are the three "Life Events" that are finally overriding the rate lock:

1. The Commute Return: With Return-to-Office mandates, that cheap mortgage isn't worth a 90-minute drive anymore.
2. The Grandkid Pull: Baby Boomers are cashing out equity to move closer to family, regardless of rates.
3. The Divorce/Debt Reset: Sometimes you need a clean slate. Selling cleans up the balance sheet instantly.

Read more about who is moving in 2026 in our Locked-In Effect report.