2847 Waverly Hills Dr
Austin, TX 78703
Mortgage Payment
Loan #JR-987-654-3210
Last Payment
$5,522
PAIDReceived March 1, 2026
Next Payment Due
April 1, 2026
$5,522
Market Signals
2 signals activeRefinance
Rate drop signal
Save $380/mo
$4,560/yr · $91,200 over 20 years
Your rate
6.625%
Market today
5.875%
Rate spread
−0.75%
Breakeven
~28 months
Access Equity
HELOC available
Tap $74K cash
Use for renovations, debt payoff, or investments — at a lower rate than credit cards.
Available cash
$74K
Est. monthly
$908
HELOC rate
8.25%
Draw period
10 yrs
Life Scenarios
Move Up
Which path fits your life right now?
Sell today → net $121K cash. That's ~22% down on the homes below.
Est. new payment
$3,800/mo
Timeline
90–120 days
Rent this home ($3,200/mo), keep the $84K, and use your ~$45K savings as down payment on a new home.
Rental income
$3,200/mo
Monthly shortfall
−$1,722
Appreciation/mo
+$2,567
Net wealth/mo
+$845
Two assets growing · building +$845/mo in wealth
Remodel
Kitchen remodel → +$45K value
At your current equity, a $30K kitchen remodel returns 150% — one of the highest ROI home improvements.
Est. cost
$28–32K
Value added
+$45K
ROI
~150%
Timeline
6–8 weeks
10% off kitchen materials
+ $500 gift card on orders over $5K
Est. savings
$3,500
Promo code
JEREMY10
Offer expires Apr 30, 2026 · jeremyhome.ai members only
Payoff Strategy
Choose your payoff pace
Every extra dollar compounds — pick a goal or dial in your own amount.
Saving you
$19K
in interest
Your impact at +$241/mo
Extra per month
+$241
additional principal
Years saved
1.6 yrs
off your term
Interest saved
$19K
total over loan life
Payoff date
Sep 2053
mortgage-free at 63
Home Intelligence
Updated todayEstimated Value
$773K
+$170K since purchase
Price / sqft
$335
Neighborhood avg
$769K
Annual gain
+4.0%
AVM source
Zillow · Redfin
Value History
Nearby Comps
2831 Waverly Hills Dr
4bd · 3ba · 2,310 sqft
$768K
active2856 Waverly Hills Dr
3bd · 2ba · 2,205 sqft
$741K
sold2901 Crestview Lane
4bd · 3ba · 2,450 sqft
$799K
activeRate Watch
Current Environment
Your rate
6.625%
30yr fixed
Market today
5.875%
30yr conventional
Rate spread
−0.75%
vs your lock
Monthly savings
$380/mo
if you refinanced
Set Rate Alert
Get notified when the 30-year conventional rate drops to your target.
Market is 0.13% above your target. You'll be notified when rates drop.
What's Next
You're in a strong financial position. Your equity is growing, your payments are current, and a refinance opportunity is developing as rates trend down. Here's what I'd focus on over the next 90 days:
Watch the refi window
Market rate is already 0.625% below your lock. If it drops another 0.25%, the break-even shrinks to under 2 years.
PMI removal coming
At your current appreciation rate, you'll hit 80% LTV in roughly 14 months. Removing PMI saves $180/mo automatically.
Annual review in June
Your situation has improved significantly. Schedule a 20-min check-in to ensure your coverage and strategy are still aligned.
Home Maintenance
Upcoming this year
$1,520 projectedAnnual HVAC Tune-Up
Apr · Soon
$180
Gutter Cleaning
May · Soon
$200
Irrigation System Check
Jun
$150
Roof Inspection
Sep
$300