09/17/2026
If your home no longer works but your mortgage rate is difficult to leave, compare three paths on the same page.
RECONFIGURE
Often less disruptive, but only useful if the existing square footage can solve the actual problem.
RENOVATE
May extend the life of the home, but requires realistic project costs, timing, permits and tolerance for disruption.
MOVE
Creates access to a different home and location, but adds selling costs, moving costs and a new monthly payment.
For each option, estimate cost, disruption, monthly impact and how many years the solution may last.
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