I want to move but I love my 2% interest rate…what should I do?

Sell for More

I am hearing this a *lot* right now from my clients, and it’s a good question! You refinanced to get that 2% or 3% interest rate, and it’s really hard to even THINK about giving that up. So if you find yourself in that situation, here are some options for you:

  1. Move anyway! Sometimes life happens and you *must* move. It’s still a great time to buy a new house, and you shouldn’t have to overpay like you would have a year or two ago. There are lots of great options to buy down your interest rate when you close on your new house to make your new mortgage payment affordable.
  2. Use a HELOC to make your current home the home of your dreams. What if your current home is too small? A HELOC (home equity line of credit) is a great option to pay for projects like adding on to your current house, re-doing the kitchen, or finishing the basement. That way you get to keep your mortgage payment where it is, and you don’t have to move!
  3. Rent out your current home as an investment property. This is *my favorite* way to get into real estate investing. If you purchase a new home to be your primary residence, you can do so with a lower down payment than purchasing a home as an investment property. You can also use the rent you will make from renting out your current home to help you qualify for your new home. Rents are at an all-time high right now, and with your current low mortgage payment, you stand to make a great profit! Reach out to me any time if you want to talk about what this process could look like for you.

Hi, there!

I'm Elsa and I love freeing people from their old home and helping them move on to a new home. Let's talk about how I can help you!

Let's Meet


2227 Prairie Center Pkwy Suite D
Brighton, CO 80601


need to Buy too?

success stories

Sell for more

for homeowners

schedule your free consultation

schedule a meeting here!

Schedule a free consultation with me and find out the first step!

"I've been thinking about selling my home, but I have no idea where to start."

Hi, there!

I'm Elsa and I love helping sellers looking to move up to their forever home. Let me know how I can help you make your real estate dreams come true. 

schedule your free consultation

need to buy too?

My Listings

Sell for more

All Articles