Run the numbers first

Affordability AI Walks through income, debts and savings to land on a price range you can actually carry. Affordability Coach AI Walks through income, debts and savings to land on a price range you can actually carry. Buyer Readiness Score AI Scores where you stand on credit, savings and stability — and what to fix first. Down Payment Strategy Planner AI Compares putting 3%, 10% or 20% down across payment, PMI and cash left over. DTI Optimizer AI Shows which debt to pay down first to move your ratio under the threshold. PMI Optimizer AI Works out the cheapest route to dropping mortgage insurance, and when you'll get there. Rate Scenario Planner AI Models your payment across a range of rates so a quarter point stops being abstract. Refinance ROI AI Break-even month, lifetime interest change, and whether resetting the term undoes the saving. Rent vs. Buy Analyzer AI Full comparison over your real timeline, including maintenance, taxes and opportunity cost. Soft Pre-Qual Estimator AI A rough read on what you'd likely qualify for — no credit pull, no lender contact. Mortgage Payment Principal and interest for any price, rate and term. Full Mortgage Payment (PITI) The real number: principal, interest, taxes, insurance and HOA. Mortgage Affordability Maximum price your income and debts support. Income Required The salary needed to qualify for a specific home price. Debt-to-Income Ratio Your front-end and back-end ratios, the way an underwriter runs them. Closing Costs Estimated cash to close, broken out by fee type. Loan Term Comparison 15 vs 20 vs 30 years, side by side on payment and total interest. ARM vs. Fixed AI What an adjustable saves now and what it could cost after the reset. Should I Refinance? A quick yes-no-maybe based on your rate, balance and how long you'll stay. Early Payoff How much sooner you finish if you add a fixed amount each month. Biweekly Payment Savings What switching to fortnightly payments does to your interest and term. Prepayment Savings The effect of a one-off lump sum against the principal. 1-1 Buydown One point lower for two years — cost, saving and who pays. 2-1 Buydown The most common temporary buydown, year by year. 3-2-1 Buydown Three years of stepped payments, and what happens in year four. Rent vs Buy The quick version — monthly cost of renting against owning. Future Home Value Projected value and equity at different appreciation rates.