Should I keep a sub-4% mortgage or sell?

Keeping a low fixed mortgage rate versus selling comes down to weighing the cost of giving up that rate against what staying costs in a home that no longer fits, whether that is space, commute, or school zone. A lower monthly payment on the current mortgage does not offset a home that is not working for the household anymore. Joel Boss can walk through the real trade-off for a specific situation, including what a move would look like financially and what the home would likely bring on today's market.