A visual companion to the decision-matrix handout - scroll to see the full path, or save/print as an image.

Renovate or move?

Weigh both paths.
Choose with real numbers.

Love your rate but need more space? Whichever way you lean, the journey from discovery to a decision - and beyond - looks the same. Here is the full path.

Steps8decision to done
Paths weighed2renovate or move
Annual review1built in every year
The decision-to-done journey
Step 1

Discovery

Your goals, budget, scope of work, and a first look at the equity available to put to work.

Decide
Step 2

Dual analysis

Real numbers for both paths, side by side - your equity, your payment comparison, and the value added.

Decide
Step 3

Financing

A referral to a trusted partner for a line of credit or renovation loan; your existing rate stays untouched.

Prepare
Step 4

Contractor bids

Two to three qualified contractor quotes confirm the renovation cost before you commit any funds.

Prepare
Step 5

Permits & plans

Architectural plans approved and permits pulled; your first mortgage is protected throughout the process.

Prepare
Step 6

Renovate

Work gets underway; regular site visits help you catch scope issues early, before they become expensive.

Build
Step 7

Finish & enjoy

The final walk-through confirms the work is complete and the punch list is resolved.

Build
Step 8

Annual review

Check in on your equity, your rate position, and whether any further improvements make sense.

Review
Weigh both paths

The four factors that matter most when you decide - side by side.

Renovate

Love the location; rate matters; the renovation adds real value.

Keep your rate
Upfront cost
End home value added
Flexibility to relocate

Move

Need a different area; the layout or lot cannot be fixed; financially ready.

Keep your rate
Upfront cost
End home value added
Flexibility to relocate

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We build your personalized renovate-vs-move analysis: your equity, payment comparison, and value-add - both paths, honest numbers.

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{{compliance.pendingLabel}}   Equal Housing Opportunity. {{lo.company}}, NMLS #{{lo.nmls}} (Company NMLS #{{compliance.companyNmls}}). Figures and the example household are hypothetical and for illustration only; not an offer, quote, or guarantee. Renovation value-add estimates are illustrative and not guaranteed; actual results depend on market conditions, project scope, and contractor execution. Home equity lines of credit and renovation loans are offered by a third-party credit union, not {{lo.company}}; no rates or terms are quoted. This co-marketed seminar is cost-split by fair market value of promotion per RESPA; no party pays for referrals. Consult a tax advisor and licensed contractor before committing to any project.