It’s the question I hear most from homeowners who’ve outgrown their house. You might never see a rate like yours again, and I won’t promise you will. So the better question is whether the house you need is worth more to you than the rate you have. Join me live Tuesday, October 20 at 11:30 AM Mountain Time. In 30 minutes we’ll cover: Stay put: when keeping your rate and renovating is the smarter move Move up now: how your equity shrinks the loan you actually need Wait and watch: the risk of waiting that nobody talks about Then we’ll do the math on screen, because the number you live with is your monthly payment, not the rate. Here’s an example: every $100,000 borrowed for 30 years costs about $271 more a month at 7.40% than at 3.00%. That counts principal and interest only, with no taxes or insurance. For context, the average 30-year fixed rate was 7.40% for the week of October 15, 2026. A year earlier it was 6.27%. That’s Freddie Mac’s weekly national survey. Rates change daily, and your own rate depends on your credit, down payment and loan type. Bring your current rate. Just the number, no judgment. Drop it in the comments and I’ll help you think it through live. #MoveUpWeek #MortgageRates #UtahRealEstate #MoveUpBuyer #HomeBuyingTips ⭐ Kelsey Earl, Keller Williams South Valley, 801-419-8917, [email protected], Your lifelong friend in real estate
Read the written version Should I move or stay in my house?I am Kelsey Earl, a Realtor with Keller Williams South Valley serving Herriman and the south Salt Lake Valley — and Washington County when it is time. Every video starts as a question someone sent me.
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Serving Herriman and the south Salt Lake Valley — South Jordan, Daybreak, Riverton, Bluffdale, Draper and Salt Lake City. And Washington County — St. George, Washington City, Hurricane, Ivins and Santa Clara.