Mortgage holders fall into 3 groups, from those with rock-bottom rates to over 6%, report says.

Which mortgage group are you in?

Dear Neighbor,

I came across some research that I keep thinking about — because honestly, it explains a lot of what I’m hearing from homeowners right now. You might recognize yourself in it immediately.

A new Realtor.com report breaks down every American mortgage holder into three distinct groups. And the group you’re in? It’s quietly shaping what your options look like today.

THE THREE GROUPS

GROUP ONE

The “Elite” Class

Sub-3% mortgage rate

You locked in before the world changed. Your rate is extraordinary by today’s standards — and deep down, you know it. The thought of giving it up to buy something bigger, better, or just different? It stings. You’re not stuck, exactly. You’re just… very comfortable staying put. Read More

📞 What Are Your Options? Give Me a Call: 415-847-8331

Audrey Moira Shimkas · Broker Associate & REALTOR® DRE# 00896873

Berkshire Hathaway Drysdale

I Had to Share This

— A Stunning 1879 Guest/Gate House.

I recently visited the Boyd Gate House in San Rafael, and it is a wondrously preserved 1879 structure with a fascinating information tour and archiaval artifacts— including a look at the period during the Mexican-American War when vast territories were ceded from Mexico to the United States.

Are you a baby boomer homeowner considering updates before selling?

Here’s the truth I share with my clients every day:

👉 Not all upgrades pay off. The smartest improvements are the ones that appeal to the next generation of buyers, not personal taste.

Buyers respond best to:

✔️ Low-maintenance, durable finishes

✔️ Energy-efficient features that lower monthly costs

✔️ Main-floor living and easy accessibility

✔️ Flexible spaces for guests, work, or multigenerational living

Homes that reflect these priorities don’t just show better—they sell faster and more strategically, often with fewer concessions.

If you’re planning updates before selling, the goal isn’t to over-improve. It’s to make targeted choices that today’s buyers recognize as value.

If you’d like guidance on what’s worth doing—and what to skip—I’m always happy to offer a thoughtful, no-pressure conversation. 415-847-8331

What Is Your Home Worth? Request a CMA

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Berkshire Hathaway Drysdale, 851 Irwin St, Ste 100, San Rafael, CA, 94901

If your home is currently listed it is not the intent of this broker to solicit your listing

All articles are curated by me personally; I figure what interests me might interest you too. Always feel free to let me know your opinion, comment or request for real estate services.

Mortgage holders fall into 3 groups, from those with rock-bottom rates to over 6%, report says.

What Is Your Home Worth? Request a CMA

Search Marin County , CA

﻿Homes For Sale

Homes For Sale