Balancing the Maze: How to Make Moving Affordable Without Losing Your Way

“We need more space… but if we move, we lose our low-interest mortgage. Can we make the numbers work?”

Life changes—fast. A new child, a new job, or simply not enough space can push homeowners to consider moving. But giving up a low-interest mortgage and stepping into today’s market rates? That turns a practical move into a financial maze.

It’s not just about qualifying—it’s about making the math work.

Reducing the Rate: Tools to Shrink the Cost of Borrowing

One way to make moving more affordable is by reducing the interest rate on your new loan. A few key strategies can help:

• Mortgage Discount Points

  Pay more upfront to reduce your long-term rate. One point usually costs 1% of your loan and lowers your rate by about 0.25%.

Example: On a $400,000 mortgage, buying one point ($4,000) could reduce your rate from 7.00% to 6.75%. That drops your monthly payment from around $2,661 to $2,594—saving $67 per month. Over five years, that’s ~$4,000 in savings—your breakeven point. The longer you stay, the more you gain.

• Seller-Paid Buydowns

  Some builders and sellers offer temporary interest rate reductions to help close deals—an effective short-term relief if available.

• Improve Credit and Lower DTI

  Better credit and lower debt-to-income ratios can qualify you for lower rates, but that takes time many buyers don’t have.

These tools can help—but often not enough on their own.

Lowering Monthly Payments: Changing the Structure

Another strategy is to lower how you pay, rather than just the rate:

• Interest-Only Mortgages

  These reduce your payments in the early years by letting you pay only the interest. It’s useful during transitions or when you expect income to rise later.

• Adjustable-Rate Mortgages (ARMs)

  ARMs offer lower fixed rates for the first 5–10 years. They’re a good fit if you don’t plan to hold the loan long term—but they come with future rate risk.

  
  

The key is understanding what you’re optimizing for: monthly affordability, long-term cost, or flexibility.

Where Takara Fits In

Even with all these strategies, many homeowners still hit the same wall:

Why give up a low-interest mortgage only to face double the monthly cost?

Takara is a new financial product designed to bridge that gap.

It allows you to use the value of your existing mortgage to lower the monthly payment on your new mortgage—by up to 60%.

This isn’t a refinance or a buydown—it’s a structural innovation that restores affordability without forcing you to forfeit the benefits of your current loan. Takara helps homeowners move forward—without losing what they’ve already earned.

A Way Forward

Today’s market has left many feeling stuck: ready for the next chapter, but trapped by a system that wasn’t built for rising rates and real-life transitions.

But with the right tools—there is a way through the maze.

You don’t have to fall through the cracks. You just need a better path—and a way to open the gate.