As someone who bought in early 2022 just before interest rates spiked, I would in fact only sell at a significant premium at this point. The reason being that i

As someone who bought in early 2022 just before interest rates spiked, I would in fact only sell at a significant premium at this point. The reason being that if I currently owe $X on my low fixed rate 30-year mortgage, the true mark-to-market value of that payment schedule at current interest rates is, I dunno, call it 0.6* $X. To my understanding, selling now means I’d have to pay off the entire mortgage completely with the proceeds. As far as I’m concerned, that essentially means throwing away 0.4*$X.