Sub-3% Rate? You Might Not Be Stuck

If you own a home in Austin or Houston with a rate that starts with a 2, every move up option probably looks like it doubles your payment. In this video I break down why your move up spreadsheet keeps saying stay, the one number it leaves out, and how to see whether sizing up actually works for your family. I walk through the lines most move up buyers never run, including the equity built into your current home, the capital gains exclusion on a primary residence, how Texas property taxes and insurance drive escrow, and why your total monthly cost matters far more than the sticker price of the house. This is for the move up buyer who feels locked in by a low rate and wants an honest answer, even if that answer turns out to be stay. If you own a home in Texas and you've been telling yourself you're not ready to move up, let's find out if your equity disagrees. Book a free 20-minute strategy call and I'll run your keep versus move numbers with you: https://link.mtgstrategists.com/widge... [0:00] The Half Math Problem [0:42] Why Your Spreadsheet Always Says Stay [1:12] The Line Your Spreadsheet Skips [1:30] Your Equity And The Capital Gains Exclusion [2:10] Total Monthly Cost, Not The Sticker Price [3:12] The Texas Escrow Reality [3:39] The True Monthly Method [4:07] Sometimes The Answer Is Stay [4:32] Book Your Strategy Call I'm a Mortgage Strategist helping Austin and Houston homeowners figure out whether a move up actually works using the True Monthly Method. Matt Robertshaw, NMLS #925153. This content is for educational purposes only and is not a commitment to lend or financial advice. Loan approval is subject to credit, income, and property qualification. Equal Housing Lender.