Five quick questions and you'll see your equity, what the bigger home really does to your monthly payment, and the smartest order to do it in — sell first, buy first, or line them up together.
Takes about 2 minutes · No obligation · Florida tax & insurance realities built in
Your honest best guess is perfect — a Zillow-style estimate, what a neighbor's place sold for, whatever you've got. This is a planning estimate; Chad can verify it against real recent sales afterwards, free.
$200K$1.5M
No problem — that's most people. Your plan will show exactly how the equity math works, and Chad can pin down a real number from recent sales on your street.
Question 2 · What you owe
What do you owe on it?
A ballpark is fine. Your payoff comes off the top at closing, so it's the biggest single line between your sale price and your equity.
Please pick the closest range — it drives your equity estimate.
Question 3 · The next home
What's the target home price?
The price range of the bigger home you're picturing — in Pinellas, Pasco, or wherever the next chapter is. We'll run the real monthly math on it, Florida taxes and insurance included.
$300K$2M
Question 4 · The why
What's prompting the move?
Knowing the “why” shapes what the next home has to get right — and which prep on your current home matters most.
Please pick the closest reason — even “just want more room” counts.
Question 5 · Timing
How do you feel about timing?
Selling and buying at once is a sequencing puzzle. There's no wrong answer — your plan weighs your instinct against your numbers.
Please pick the option closest to how you're feeling.
Your plan is ready to build
Where should we send your Move-Up Plan?
Enter your details and your personalized Move-Up Plan unlocks right here on this page. Chad may follow up personally — never a call center, never a sales team.
Your personalized plan · Planning estimates only
Your Move-Up Plan
1 · Your equity runway
2 · What the move does to your monthly
⚠ The two Florida resets nobody warns you about
Your property taxes reset. The seller's taxes on the new home are capped by years of Save Our Homes limits — yours start over at the new home's purchase price. On a bigger home, that reset alone can add hundreds a month versus what the listing's tax line suggests. If your current home is a Florida homestead, homestead portability can carry up to $500,000 of your Save Our Homes benefit to the new home — ask Chad to run your portability estimate; it can take a real bite out of the reset.
Insurance is priced fresh on the new place. A bigger roof, a different flood picture, and today's Florida market mean the new home's premium won't look like your current one. Get a real quote early — before you're under contract, not days before closing.
3 · Your sequencing options, honestly
Three ways to order a sell-and-buy. Each trades money, comfort, and risk differently — here's the honest version of each.
Your plan tilts here
Option A
Sell first, then buy
The safest financially — your equity is cash in hand and your budget is a fact, not a hope.
Pro: No double mortgage payments, ever
Pro: You shop as a strong, non-contingent buyer
Pro: Your down payment and budget are exact
Con: You may need temporary housing (or a rent-back from your buyer) if the right home hasn't appeared yet
Con: Two moves instead of one
Your plan tilts here
Option B
Buy first, sell second
The most comfortable — one move, straight into the new home. It requires qualifying to carry both homes for a while.
Pro: Move once, on your schedule, no temporary housing
Pro: You can wait for the right home instead of a deadline
Con: You must qualify carrying both payments — lenders count both
Con: Bridge loans and HELOCs exist for the gap, but they cost money and add moving parts
Con: If your current home sells slowly, you're carrying two of everything
Your plan tilts here
Option C
Line them up together
List and shop at the same time, with closings aligned — this is where a coordinated agent earns their keep.
Pro: One move, no temporary housing, equity flows straight across
Pro: Sale-contingent offers and same-week closings are workable when both sides are planned together
Con: Contingent offers are weaker in competitive price ranges
Con: If one side wobbles, both do — timelines need active managing
How Chad runs it: both contracts, both lenders, one calendar — sequencing dates so your sale funds your purchase without a gap
4 · Prep that pays
For selling your current home at the top of its range, these are the fixes that reliably return more than they cost. Big renovations usually don't — skip those.
Curb appeal first
Pressure-washed driveway and walkway, fresh mulch, trimmed landscaping, a painted front door. Buyers decide how they feel about your home in the first ten seconds — and Florida sun is hard on exteriors.
Fresh, neutral paint
The cheapest full-home transformation there is. It photographs brighter, smells new, and removes the “projects” feeling that makes buyers discount their offers.
Declutter and depersonalize
Rent a small storage unit if you need to. Half-empty closets and clear counters make rooms read bigger — and let buyers picture their life, not yours.
Fix the little stuff
Dripping faucets, sticky doors, cracked switch plates, the ceiling stain from the old leak (with the repair documented). Small defects tell buyers a story about maintenance — make it a good one.
Deep clean + light staging touches
Professional clean, windows inside and out, fresh towels and bedding on photo day. Chad's Fix-or-Skip walkthrough decides repair by repair what's worth doing — and what to price around instead.
How these estimates were built — stated plainly:
Brokerage compensation is negotiable and commonly totals around 5–6% of the sale price in this market (shown as a range, never a fixed promise) ·
Florida documentary stamp tax on the deed (seller-side): $0.70 per $100 of sale price ·
Owner's title policy & closing fees: estimated range based on sale price ·
Payments use an illustrative 6.75%, 30-year fixed assumption — rates change daily and this is not a loan offer ·
Taxes estimated at 1.05% of value per year; insurance at a Florida planning range of 0.45%–0.75% of value per year.
All figures are planning estimates for educational purposes only — not an appraisal, a CMA, or a guarantee of value, costs, or sale outcome.
Want me to run your real numbers?
Estimates get you started; a walk-through of your current home and a lender's real look at the target gets you a plan you can act on. Happy to do both — no pressure either way.
