Facing a payment jump? Let’s map your exit before it lands.
You are not alone.
More than $500B in adjustable-rate mortgages reset this year. If yours is on deck, use the quick tools below to see the numbers, then let’s connect about next steps on your timeline.
Try our payment adjustment calculator
Enter a few basics and see how your monthly payment could change when the intro rate disappears.
Loan balance – what you still owe
Current rate – your teaser or intro rate
Reset rate (estimate) – the rate your lender just quoted
Years left – how long until the loan matures
Real Life Case Study:
From ‘how do I afford this?’ to ‘hello new chapter!’
Loan in 2020
2M home @ 2.8%
Payment ≈ $6K/mo teaser payment
↓
2025 reset
rate jumps to 6.75%
New payment ≈ $10K/mo full payment
This client is working with our team right now to sell, unlock all the equity that's accrued, and downsize. No doubled payment, no drama.
(Numbers rounded for clarity; Taxes and insurance excluded. each situation will vary.)
Free 15-Minute Equity-Check-In
No forms, no jargon. Just a quick Zoom or phone call with a Pardee strategist.
- A real human walks through your calculator results
- We outline refinance, hold, and sell scenarios (pros + cons)
- You decide what feels right—zero pressure
Frequently Asked Questions
Q:
What if I refinance instead of selling?
A:
Refinancing can work if you can bring cash to reach ≤ 75% LTV and you’re comfortable with today’s ~7% rates. We’ll model the cash-in and the new payment so you see the full picture.
Q:
Will selling hurt my credit?
A:
A standard sale does not harm your score, as long as you stay current on payments through closing. We will try our best to coordinate timing so you avoid late fees or dings. We can also refer you to some of our most trusted lenders for even more situation-specific advice.
Q:
What if rates fall after I sell?
A:
You can buy again later or simply keep your cash on hand and put it into other investment opportunities. Unlocking equity now gives you flexibility; we’ll track the market and alert you if conditions swing in your favor. We will always be your guide. No pressure, just honest guidance, always.
Q:
Could renting be smarter than buying again?
A:
Sometimes, yes. For clients downsizing or relocating, renting short-term can free up capital while you scout the perfect next home. We’ll be happy to run the rent-vs-own math with you.
Q:
Does Pardee work outside the Westside?
A:
Absolutely. We’ve helped 5,600+ clients across Greater LA and Palm Springs areas. Plus, we refer to a network of vetted agents nationwide if your next chapter takes you farther afield.