TOP QUESTIONWe have a 2.75% interest rate locked in on our current home, but need to move. Is there any way to leverage it in our favor?
That's such a common feeling right now, and that rate really is valuable. A lender can tell you what options exist for your loan, and our team can help you look at your equity, keeping versus selling, and timing your move so the numbers work as well as possible.
Would it help to have a quick, no-pressure call with the team to look at your numbers?
Talk with our teamCall (669) 341-1074TOP QUESTIONThe golden handcuffs are real. Is anyone else staying in a house they hate just because of their 3% rate?
You're definitely not alone; a lot of homeowners feel stuck. Looking at the full picture, like your equity, what you'd actually borrow, and your life goals, often makes the decision clearer. Our team can walk you through that with no pressure.
Would a short call with the team to look at the full picture be helpful?
Talk with our teamCall (669) 341-1074TOP QUESTIONWe're giving up a 2.5 percent rate for 6.9 for our growing family. Are we nuts?
You're not nuts; families outgrow homes, and that's real. A lender can help you see the payment side, and our team can show you how your equity might help so the move feels more manageable.
Would it help to have a short, no-pressure call with the team about your equity and timing?
Talk with our teamCall (669) 341-1074TOP QUESTIONAny ideas or recommendations so I could buy a new place before I sell? I don't want to move twice.
Wanting to avoid moving twice is very common. There are different ways people sequence a sale and a purchase, and a lender can explain financing options. Our team can help plan the timing on the real estate side.
Would it help to have a quick call with the team about timing your sale and purchase?
Talk with our teamCall (669) 341-1074TOP QUESTIONAnyone else unable to downsize due to high prices and rates?
You're definitely not alone. For homeowners 55 and older, California rules on moving your tax base may matter, so a tax advisor or the county assessor can tell you if they apply. Our team can help you see what a downsize might really look like.
Would a gentle, no-pressure call with the team about downsizing be helpful?
Talk with our teamCall (669) 341-1074What would you do? We're relocating and have 2% mortgages.
Relocating with a great rate is a tricky trade-off, and it's worth taking your time. A tax advisor and lender can help with the financial side, and our team can show you what selling versus keeping might look like for your home.
Would it help to have a quick call with the team to compare selling versus keeping?
Talk with our teamCall (669) 341-1074Am I crazy to move and increase my mortgage?
Not at all; it's a big decision and worth thinking through. A lender can tell you what a new payment might be, and our team can show you what your equity could bring to the table so you can see the real trade-off.
Would a short, no-pressure call with the team to see your equity be helpful?
Talk with our teamCall (669) 341-1074How does a low mortgage rate affect the decision to sell a home?
It's one of the biggest factors people weigh right now. Our team helps homeowners look at the whole picture, including equity, what they'd borrow next, and their goals, so the rate is one factor rather than the only one.
Would it help to have a quick call with the team to look at your whole picture?
Talk with our teamCall (669) 341-1074What is causing homeowners with low mortgage rates to hold off on selling their homes?
Mostly, people don't want to trade a low rate for a higher one, and that's completely understandable. If you're feeling that pull yourself, our team can help you see what a move would really look like for you.
If you're feeling that yourself, would a short call with the team be helpful?
Talk with our teamCall (669) 341-1074Should we buy? Moving from a townhouse to a single-family home on the Peninsula.
Moving up on the Peninsula is a big step, and it's smart to plan it carefully. A lender can help with what you'd qualify for, and our team can help with your current home's value, timing, and how to sequence selling and buying.
Would a quick call with the team about timing your move be helpful?
Talk with our teamCall (669) 341-1074Should I upgrade from my home with a 2.25% rate and move to Millbrae?
That's a big decision, and it depends on your goals and numbers. Our team works in San Mateo County and can help you look at your equity and what the move could realistically involve, and a lender can cover the loan side.
Would a quick call with the team to look at a Millbrae move be helpful?
Talk with our teamCall (669) 341-1074Should I sell a home that has a 3% mortgage?
It really depends on why you're thinking about moving and what your numbers look like. Our team can help you compare selling, keeping, or renting it out on the real estate side, and a CPA can help with the tax side.
Would it help to have a quick, no-pressure call with the team to compare your options?
Talk with our teamCall (669) 341-1074Rent or sell the house I hate?
That's a tough spot to be in. Renting it out and selling both have trade-offs, and a CPA can help with the tax questions. Our team can show you what each path might look like for your property.
Would a short call with the team to compare renting versus selling be helpful?
Talk with our teamCall (669) 341-1074Do I give up the 3% rate?
That's the question so many homeowners are asking. It helps to look at your equity, what you'd borrow next, and why you want to move. Our team can walk you through that so you can decide with clarity.
Would it help to have a quick call with the team to look at your numbers?
Talk with our teamCall (669) 341-1074I'm considering moving from one 3-bed, 2-bath with a 2.8% rate to another 3-bed, 2-bath with a 6.5% rate.
It's worth thinking carefully about what the new home would give you that the current one doesn't. Our team can help you compare the real costs and benefits on the home side, and a lender can cover the loan side.
Would a short call with the team to compare the two homes be helpful?
Talk with our teamCall (669) 341-1074Should I sell before losing a $500k Section 121 exclusion, or keep a cash-flowing Bay Area rental?
That's an important timing question, and a CPA or tax advisor is the right person for the tax side. Our team can help with the market side, like what the property might sell for now.
Would a quick call with the team about what the property might sell for be helpful?
Talk with our teamCall (669) 341-1074Will I pay California and federal tax on my full $800k gain or only on $300k? Is there any relief if the gain goes into my next home in California?
That's a really important question, and a CPA or tax advisor is the right person to answer it for your situation. Our team can help with the real estate side, like estimating your home's value and planning your move.
Would it help to have a quick call with the team to estimate your home's value?
Talk with our teamCall (669) 341-1074Did you give up your sub-3% mortgage rate?
Many people have, and many haven't; it really depends on their goals. Our team can help you look at your own situation so you can decide what's right for you.
Would a short call with the team to look at your situation be helpful?
Talk with our teamCall (669) 341-1074Should I rent out my house and move to an apartment?
Keeping the home as a rental and selling both come with trade-offs. A CPA can help with taxes, and our team can help you compare what each option might look like for your home.
Would it help to have a quick call with the team to compare keeping versus selling?
Talk with our teamCall (669) 341-1074Want to talk it through? Free, private, no obligation.
Request a free call backMeet your team
Licensed local real estate professionals, not foreclosure consultants or attorneys.
Ryan Alter
REALTOR®
EQ1 Real Estate | DRE# 01382268
Natorie Moreno
REALTOR®
EQ1 Real Estate | DRE# 02173289
Chico Laney
Broker Associate
EQ1 Real Estate | DRE# 01274122
How we can help
Whatever your situation, the first step is seeing your real numbers. There is no pressure and no obligation, and we are happy to work alongside your lender, advisors, or housing counselor.
Equity review
A free look at what your home could sell for and what that might leave you with, so you can compare staying, adjusting, or selling.
Equity Optimization Strategy
A plan for getting your home ready and timing a sale, so you can weigh it against your other options with real numbers.
An option to consider
Home Ready Program
A way some homeowners get a home market-ready before selling, without paying upfront, for homes that qualify. It is one option among several. Selling as is, doing updates yourself, or staying put may suit you better.
No up-front cost option
For homes that qualify, payment is deferred until close of escrow or up to 90 days from the project start date.
A design consult and a detailed estimate
Our professional design team schedules a visit to evaluate your home, consults with you on the best updates and finishes, and provides a detailed estimate.
One team, start to finish
Kitchens, bathrooms, and other cosmetic updates, with design through installation managed for you.
About 20 working days
Renovations are typically finished in about 20 working days, so your home can get to market quickly.
May be worth a look if
- Your kitchen, bathrooms, or finishes are dated or worn
- You want to sell but would rather not pay for updates upfront
- You would like one team to manage the work instead of coordinating contractors yourself
Questions to ask about any renovation program
- What is the total cost, and when is payment due?
- What happens if the home does not sell on schedule?
- Who does the work, and are they licensed and insured?
- Will I get a detailed estimate in writing before I commit?
A typical 90 day path
Days 1 to 30
Renovation
Days 31 to 60
List and go under contract
Days 61 to 90
Close escrow
A typical timeline, not a guarantee. Results depend on your home and the market, and terms and eligibility apply.
Talk with our teamCall (669) 341-1074
Results depend on your home and the market. Nothing here promises a sale price, net proceeds, or timeline.
Our written promise
The Straight Answers Promise
- We will personally return your call or request within one business day.
- You will get a plain-language outline of your options, in writing if you ask.
- No pressure and no obligation. If staying in your home is the better move, we will say so.
- We will not sell your information, and we will not ask for loan or account numbers.
- If we ever fall short of this, tell us and our team will make it right.
Our team at EQ1 Real Estate. This is a promise about our service, not about any sale price, result or timeline.
More guides
About this guide
What this page is
A free information guide from our team, licensed real estate professionals with EQ1 Real Estate, for homeowners under financial pressure. General information only, not legal, tax, lending or insurance advice.
Prefer we call you?
Request a free call back
Tell us how to reach you and which home this is about. A member of our team will call you personally, usually within one business day. Free, private, no obligation.
Privacy notice
When you call (669) 341-1074, we collect only what you choose to share, such as your name, phone number, email address, the property address, what you are dealing with, and a good time to reach you. If you call, an automated assistant may answer, and the call may be recorded and transcribed. You will be told about recording at the start of the call.
If you use the call back form on this page, we collect the details you type into it (name, phone number, optional email, property address and an optional note) and use them only to contact you about your request. The form does not ask for Social Security, loan or account numbers, and you should not enter them.
We use this information to return your call and answer your questions. We do not sell your personal information. This page uses analytics (Cloudflare Web Analytics and Google Analytics) to count visits and see which buttons are tapped. These tools may use cookies or similar technology to measure use of this page. We do not use them for advertising and do not sell this information. We may share it with service providers who help us take calls and manage follow up, and only for that purpose. Please do not share Social Security numbers, loan or account numbers, bank details, or passwords with us.
If you would like to know what information we hold about you, or ask us to delete it, call (669) 341-1074 and we will help. This page is general information and is not a solicitation to anyone who already has a listing agreement with another broker.