For two years, nobody moved. But in 2026, the dam is breaking in Denver. Here are the three "Life Events" that are finally overriding the rate lock:
- The Commute Return: With Return-to-Office mandates, that cheap mortgage isn't worth a 90-minute drive anymore.
- The Grandkid Pull: Baby Boomers are cashing out equity to move closer to family, regardless of rates.
- 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.