THE CENTRAL OREGON MOVE-UP BUYER’S GUIDE A STEP-BY-STEP ROADMAP FOR GROWING FAMILIES READY TO STOP FEELING STUCK
TEAM RHODEN
Kenzie Carnahan REALTOR® | CELA
Thank you for trusting me to guide you through this exciting time. My goal is to ensure that you are confident and informed every step of the way. Have more questions? I'm always available to help! Shoot me a text or give me a call anytime.
Kenzie made the process of buying our home a smooth one. She listened to our needs and is very hardworking and dedicated. She went above and beyond at all times. She always showed up no matter what. Her positive attitude and enthusiasm from the beginning until the end of the process never wavered. We had a wonderful experience working with Kenzie. We will definitely choose to work with Kenzie again for our real estate needs.
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L#201248382
kenzie@teamrhoden.com
@realtor.kenziecarnahan
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Website
Address
541.419.4132
kenziecarnahan.com
Office
785 NW 3rd Street Prineville, Oregon 97754
541.419.4132
@realtor.kenziecarnahan
TEAM RHODEN
The biggest myths holding you back Myth #1: “I can’t afford to move up with rates at 6%+” It’s not just about the rate, it’s about equity, income growth, and long-term cost staying put. Quick math example: $400/month savings vs. $2,000/month in lost space/quality of life. Myth #2: “I have to sell my current home before I can buy.” Contingent offers, rent-backs, HELOC and other strategies exist. We’ve helped dozens of families do this. Myth #3: Now is a bad time to move up The “right time” is when your family needs it + you have a solid strategy. Waiting can cost you years of memories and comfort.
The signs you’ve outgrown your starter home 01
Your kids are sharing a room (and it’s getting tight)
02
You have zero storage and clutter is taking over.
03
You dream about a real yard for your kids to play in
04
You’re working from the kitchen table because there’s no office.
TEAM THODEN
How to actually afford it Strategy #1: Use your equity Your starter home has likely appreciated, that’s your down payment. Strategy #2: Buy before you sell (Yes, Really!) Contingent offers means the buyer agrees to purchase the home, but the sale only moves forward if certain conditions are met first. Rent-backs - sell but stay for 60 days while you close on a new home. Strategy #3: The “Rate BuyDown” Hack Temporary buy-downs Seller concessions to offset closing costs. Refinance if rates drop. Strategy #4: Increase your budget strategically How lenders calculate what you can afford (it’s changed since you bought your starter home) Income growth, debt pay-down, credit score improvements You might qualify for more than you think.
TEAM RHODEN
The Move-Up Timeline Month 1: Get Clear Meet with a lender (get pre-approved for your NEW budget) Assess your current home’s value Define your must-haves for the next home. Month 2: Explore & Strategize Tour homes in your target neighborhoods Decide on your buy/sell strategy Month 3: Execute List your current home (if selling first) OR make an offer on your new home (buying first) Navigate contingencies and timelines Close and move into your next chapter Bottom Line: Most families are in their new home within 120-190 days once they commit.
TEAM RHODEN
What if I owe more than my home is worth? Let’s talk - there are still options depending on your equity position and income.
Can I really afford a 6%+ interest rate? Maybe! It depends on your income, equity, and long-term goals. Let’s run the numbers together with a lender! No pressure.
What if I can’t sell my current home quickly? We can structure contingencies or explore rent-back options so you’re not stuck.
TEAM RHODEN
Ready to Explore Your Move-Up Options? Let’s talk through your specific situation - no pressure, just clarity.
📲 Text Me Directly: 541-419-4132 📩 Email kenzie@teamrhoden.com 📍 Serving Central Oregon Families in Prineville, Redmond, Bend and Surrounding Areas.
You don’t have to stay stuck. Let’s figure out what’s possible for your family.