617.913.7573
361 Newbury Street, Boston, MA
MoveMath
Jack Girvan · More Realty Advisors | LPT Realty
The Lock-In Effect, Unlocked

Is your low mortgage rate keeping you from reaching your goals?

A growing family. Aging parents. Better schools. A shorter commute. Warmer winters. Whatever's driving your next move — you didn't fall in love with 3%, you fell in love with a low payment. Those are two different things. Run your real numbers below and see how close you actually are to making that move work.

1Your Current Home

What you're sitting on right now.

We'll run the amortization to find today's balance and years left — no need to look up your payoff statement.
Approx. balance today—
Approx. years remaining—

2The Home You'd Move To

Your target purchase — local or across the country.

Negative = cash taken out at closing instead

3Your Tax Situation

This is the piece most people never see — it changes the real gap.

What you actually pay today
Charitable, medical over threshold, etc.
Pre-filled estimate — confirm current-year figure with your CPA
The Real Monthly Gap
—

Fill in your numbers to see your real, after-tax comparison — not the sticker-shock version.

Total interest: staying vs. moving

If you stay ( yrs left)
If you move (new -yr loan)

Where each payment actually goes

Stay — current payment split—
Move — new loan, month one—

Your equity isn't lost — it moves with you

Net equity from your sale—
Applied as your new down payment—
New mortgage amount needed—
Monthly PITI — Stay
—
Monthly PITI — Move
—
After-tax cost — Stay
—
After-tax cost — Move
—
Annual property tax change
—
Annual state tax savings
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Net cash at closing
—
Combined annual carrying-cost shift
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Educational estimate only — not tax, legal, or lending advice. Actual results depend on your loan terms, closing costs, and current-year IRS figures. Always confirm the numbers with your CPA and lender before making a decision.

Want this as a personalized breakdown?

I'll email you a copy of your numbers and follow up to talk through your specific options.

Or just schedule a call directly →