The Golden Handcuffs Conversation: What to Say When a Seller Won't Give Up Their Rate

Meeting Details Date & Time:

🗓️ Wednesday, 9:00 AM ET | November 18th

⚡ Why This Session Matters

The listings you can't get right now belong to owners holding a low mortgage rate. More than three out of four mortgages in the country are under 6%, and Freddie Mac's average was 7.24% on October 29. When that owner says "I'm not giving up my rate," most agents stop there.

• An owner with a 3% mortgage is not confused. They may be doing the math correctly.
• Many scripts treat the rate as a mental block, and the most heavily promoted new one fails a calculator.
• People still move, for schools, family and work, and most of them never had the math laid out honestly by anyone.

This session is about that conversation: value the rate first, name your commission, ask what would make a move worth it, and put both futures on one page.

The agent who does that is the one the owner calls when it is time to move.

🎯 What You'll Learn

We will master 3 systems live, together:

1️⃣ The One Reason – Ask. Do not assume. Seven questions that find, in the owner's words, the one thing that would make a move worth it, or confirm that nothing would.

2️⃣ The Two Futures – Same rows, both paths. Payment math by hand, with selling costs, term and lifetime interest in, on one neutral page the owner can trust.

3️⃣ The Third Option – What else exists: second liens, assumable loans, keep-and-rent, bridge tools, and what does not exist. Each one becomes questions for the lender, tax adviser or attorney who owns the answer.

💰 What You'll Leave With

• 🔑 Seven questions that uncover the owner's one reason to move
• ⚖️ The Two Futures page: payment math you can do by hand at the kitchen table
• 🚪 A map of the move options that exist — assumable loans, HELOCs, keep-and-rent, bridge loans — and the questions to take to the lender
• 🛡 Clear lines on what you can say yourself and what belongs to a lender, tax adviser or attorney
• 📝 Six copy-paste AI prompts, a one-page reference card, and 25 real owner statements to rehearse against
• 📘 A 54-page course study: 7 modules, 6 exercises with full answer keys, and a glossary

🔥 What Makes This Different

• Real math, not a script — every number worked by hand
• Honest by design — a conversation where staying can win is the one owners trust
• Compliance built in — what you can say, and when to refer
• Beginner-friendly — if you can use a calculator, you can run the Two Futures
• Course study PDF included — modules and lessons, not a worksheet pack

Educational session — not legal, tax or lending advice. Always follow your broker's policies and refer loan, tax and legal questions to a licensed professional.

📋 Session Logistics

📅 Date: Wednesday, November 18, 2026

🕘 Time: 9:00 AM ET

📺 Zoom: link sent after registration (Zoom sign-in required)

⏱ Duration: 60 minutes

📘 Course Study: included, link sent after registration

🎥 Recording: available to members afterwards

Bring with you: a calculator, and one owner in your database who told you "I'm not giving up my rate."

The choice is simple: keep hearing "I'm not giving up my rate" and moving on — or learn the conversation that finds the owners who will move, and earns the trust of the ones who aren't ready yet.

To Your Next Listing,

Edmund Bogen & Team

Edmund's Mastermind & Group Coaching

Because Walking Away From "My Rate" is NOT an Option!