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Moving Up

Thinking About Moving Up (or Down) in Show Low? Start With Three Numbers

The three numbers that tell you whether your next move works, before you look at a single house.

Most people in Show Low start a move on Zillow. I'd start somewhere else.

Before you look at one house, you need three numbers. Once you have them, the "can we actually do this?" question mostly answers itself.

1. What your home would sell for today

Not the online estimate. A real number, based on what homes like yours in Show Low have actually sold for lately. That number moves more than people think, and it's usually the biggest piece of the puzzle.

2. What you'd walk away with

Sale price minus what you still owe, minus the costs of selling. That's your equity, the money you take to the next place. A lot of people are sitting on more than they realize.

3. What you'd qualify for next

This is where being a broker matters. I'm not stuck with one bank's programs. I shop hundreds of lenders, so the answer to "what can we buy?" is based on the whole market, not one shelf.

Put those three together and you know your real range. Not a guess. Not a hope.

Sometimes the answer is "now's a great time." Sometimes it's "wait a year and you'll be in a much better spot." Either way, you'll know.

Want me to run your numbers? It takes me about 15 minutes, there's no cost, and you're under no pressure to do anything with it. Call or text 602-737-1045, or email [email protected].

Written by Kristi Olson, MBA

Your White Mountains mortgage broker & realtor

Over 15 years and 1,000+ mortgages, Kristi has learned the best outcomes come from one professional who sees the whole picture. As an independent broker she shops 100+ lenders — and as a realtor who is also a mortgage broker and an investor in 50+ properties, she knows real estate as an owner, not just a lender.

She serves Show Low, Pinetop-Lakeside, Lakeside, Snowflake, Taylor, Heber-Overgaard, Springerville-Eagar and the rest of the White Mountains — NMLS #1459928, licensed in Arizona & Missouri.

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Your next move

Want me to run your numbers?

Fifteen minutes, no cost, no pressure. You'll know your real range before you fall in love with a house.