Embed Mortgage Decision Engine

✦ Mortgage Decision Engine

Am I ready to buy a home?

Get a clear, personalized answer in about 3 minutes
1The Home
2Finances
3About You
What home are you thinking about?
Rough estimates are fine - you can always adjust later.
Loan type
$
20%
3%50%
3%12%
Estimated monthly costs
$
Usually 1–2% of home value
$
$
Step 1 of 3
Now let's talk money
This helps us figure out what's genuinely comfortable for you. Nothing is shared.
$
Include all borrowers
$
Car, student loans, credit cards
$
Your "feels right" number
$
Down payment + closing costs combined
Last few quick ones
These make your results personal, not generic.
First time buying?
Veteran or active military?
When are you thinking of buying?
Purpose of this home?
🏠
Your Buyer Profile
β€”
β€”
β€”Readiness Score
β€”
β€”
What this means for you
Monthly Payment
β€”
Debt-to-Income
β€”
Left After Housing
β€”
Approval Probability
Very Likely
Based on your DTI, credit range, and down payment
Unlikely Possible Likely
β€”
Understanding Your Numbers
Safe≀36%
OK37–43%
High43%+
β€”
≀36% Comfortable
37–43% Manageable
43%+ Stretched
β€”
Housing costs
Other debts
Breathing room

β€”

Equity % of home value over time, no appreciation assumed

What-If Simulator

Interactive
See exactly how small changes shift your numbers.

Your Recommended Next Steps

Disclaimer: Estimates for educational purposes only using standard mortgage formulas. Actual rates, approvals, and payments vary by lender, credit profile, and market conditions. Not financial or legal advice. Consult a licensed mortgage professional before making any purchasing decisions.
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