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I am not sure how much you really want advice, since even though several agents mention that Zestimates are often off, you still believe your home went up in value $18,000 in 30 days. Doesn't the simple fact that all these computer sites vary widely tell you that they may not be accurate? For starters, you need a better picture of what your house is currently worth and what your local market is doing. Aside from that, it sounds as if you would truly like to keep this home. If so, you need to aggressively pursue a refinance. At today's interest rates, your payments on a 30 year fixed rate mortgage would likely be close to what you are paying now, if you can qualify. Even if you decide to sell later, at least you will be paying some principle and can do it when you choose, not because you are facing the impending doom of that increased payment.
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