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Your current house may be affordable. Your next move may not be.
I would compare the whole move: realistic sale proceeds, selling costs, and the payment on the next home.
And if you sell, remember that the buyer is comparing your house with their other options. Your current mortgage does not set your selling price.

I use one simple form to review offers. Then I pick up the phone.
Price, credits, timing, estimated proceeds—organized clearly, explained personally.
A useful tool makes the conversation better. It does not remove the need for experienced advice.

Your buyer has options. What makes your house the one?

I’d start with the competing homes, then look at price, preparation, and terms together.

Before listing, know why a buyer would choose yours—and what will tell you it’s time to adjust.

If AI saves your agent time, how does that help you?
I’m a fan of better tools. I want the efficiency to show up in better attention to pricing, clearer communication or less unnecessary overhead.
A faster first draft is useful. Someone still needs to check the work and stand behind the advice.

Most sellers do not want to sell alone.

They just do not understand why professional help still has to come in one expensive bundle.

Good agents matter. Pricing, negotiation, risk management, and accountability matter. But technology has made the routine parts of the job more efficient.

The real question is not “full service or no service?”

It is: What am I paying for, who is accountable, and does the value make sense?