Overview On this Valentine’s Day episode, Deborah Morton of Clareo Group at The Agency Atlanta explains the lock in effect that is keeping many owners in place. People with low rates, paid off homes, or major equity want to move, but the numbers feel hard to justify. Deborah says the conversation has shifted from bedrooms and lot size to financing, equity, timing, and problem solving. Martine Naidu of Aclara Lending joins to outline practical lending paths for owners and first-time buyers. The result is a useful discussion about how families can use today’s equity more strategically.

Key Takeaways

• The lock in effect is keeping many owners from moving, even when their home no longer fits.
• Right sizing is often about layout, location, and being closer to family, not just going smaller.
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