A free tool from Colby Williams, Realtor

Should I move?

Put in your real numbers. See what you’d walk away with, what your next payment would actually be with North Alabama property taxes, and a straight answer, even if the answer is not yet.

Step 1 of 3: Your home now

What’s your home worth?

Your best guess. Zillow’s number is a fine place to start.

What do you still owe?

Your payoff balance. Put 0 if it’s paid off.

Current monthly payment (optional)

Including taxes and insurance.

Current interest rate (optional)

Check your mortgage statement.

What shape is the house in?

Buyers ask for repairs after inspection. This sets aside a realistic amount.

Move-in readyNeeds a little workNeeds a lot of work

Total commission

Commission is negotiable. 6% is a conservative estimate so the answer doesn’t come out rosier than reality.