Jerome Powell is out, AI is reshaping San Francisco prices, and Denver sellers with sub-4% mortgages are still frozen in place — here's what I actually think is happening

Most people are watching the national headlines right now — Powell stepping down, AI driving San Francisco prices higher, tech companies merging to automate how homes get bought and sold. It's a lot of noise. Here's my honest read: none of that changes the most practical problem sitting in Denver right now. A significant number of homeowners are locked into mortgages below 4%, and they are not selling. Not because they don't want to move. Because the math doesn't work for them yet. That's not changing quickly. What that means for anyone thinking clearly about a plan right now — whether you're a family with an inherited property or an older adult weighing a move — is that the real inventory pressure in Denver isn't being solved by technology or Fed policy shifts. It's a rate-math problem that requires a steady, clear-eyed look at your specific numbers before you make any choices. The sellers who will move in 2025 are the ones with a life reason that outweighs the rate difference. Health changes, estate planning, family decisions. Those are the practical forces that actually move Denver's market right now, not headlines. One thing I've learned from years in both healthcare and real estate: the families who make the most respectful, well-timed decisions are the ones who plan before the pressure arrives — not after. If you're sitting on a Denver property — inherited or your own — and you've been waiting for the 'right moment,' I'd ask you this: has anyone actually run the numbers with you, or have you just been watching the news? — Kevin Lundy | The HomeBridge Group at eXp Realty