Home Equity Strategy Tool

Stuck in a 3% rate?
See what’s actually possible.

Most homeowners assume moving means losing their low rate forever. The right equity strategy can make a new home much more affordable than you’d expect — sometimes with a payment close to what you have today.

Step 01

Your current situation

Use the total payment you write a check for each month — not just principal & interest.

$
PITI + HOA — the total amount you pay each month.
$
Your best estimate. A lender can confirm later.
$
$
HELOC, second mortgage, solar lien, etc.
$
Credit cards, auto loans, student loans, etc.
$
Lets us show your real monthly difference if debt is gone.
Step 02

Your next home

Defaults reflect typical Georgia rates — adjust if you have specifics for your area.

$
$
% / yr
Typically 1.15–1.20% in metro Atlanta.
% / yr
Typically 0.50–0.55% of purchase price.
Step 03

Market assumptions

Reasonable defaults are pre-filled. Adjust if you’ve shopped rates recently.

%

Estimates only — not a loan offer or guarantee of terms. Actual rates, points, PMI, taxes, insurance, and closing costs depend on lender pricing, credit profile, property, and program. A licensed lender can confirm your specific options.