Free tools

Free, private and no sign-up needed. Every tool ends with an option to have us check your numbers.

For buyers

Can I buy a house?A free, private check and your personal next-step plan.Open → How much can I afford?Price range, DTI and a real-life budget.Open → Savings plannerHow much to save, and the date you could buy.Open → Self-employed & variable incomeHow lenders count tax returns, overtime, bonus and commission.Open → ARM vs fixedAdjustable or fixed rate if rates fall, stay or rise.Open → Builder incentives comparedPrice cut, rate buydown or closing costs.Open → Renovation / 203(k) budgetRepairs, contingency, loan and cash needed.Open → Home viewing checklistNotes and ratings for each home you see.Open → Could I borrow enough for this house? (DTI)Debt-to-income, what you might borrow, what you would repay.Open → Loan FinderA few questions to see which loan types fit you.Open → Mortgage payment & amortizationFull monthly cost, extra payments and a year-by-year table.Open → Rent vs BuyWhat your landlord pays, and your break-even year.Open → Closing costs & cash to closeIncluding Florida mortgage taxes.Open → Down Payment Grants & Assistance finderFlorida buyers: search the programs you may qualify for.Open → Assumable mortgagesTake over a seller's low-rate FHA, VA or USDA loan.Open → Improve your creditFree steps to raise your score before you buy.Open → Find me a homeTell us what you're looking for and get matching homes sent to you.Open → Home & Money QuizSix categories, harder questions as you climb, and a monthly leaderboard.Open → Mortgage & real estate dictionaryWhat the terms really mean, plus a word challenge.Open →

For sellers

What's my home worth?A free monthly home value report.Open → Seller net proceedsWhat you walk away with.Open → Buyer Payment SheetShow buyers your home's monthly cost.Open → Buy before you sellCash needed, two payments and what you keep.Open → Price cut or concession?Compare a price cut, closing cost credit and rate buydowns.Open → Sell or rent it out?Compare selling now with keeping your home as a rental.Open → Co-buying cost splitBuying with a friend or family: who pays and who owns what.Open → True Florida ownership costEvery monthly cost, and why your tax may differ from the seller's.Open → Moving upSell, buy, or keep your home as a rental.Open →

For homeowners

Extra Credit (HELOC) savingsConsolidate debts, lower payments.Open → Mortgage Payoff PlanUse pay rises to finish years sooner.Open → Reverse mortgage estimate (62+)A rough idea of what a HECM could provide.Open → Should I refinance?New payment, break-even and how far ahead you'd be.Open → Florida homeowner costsHomestead, property tax, insurance, HOA and CDD.Open → Florida insurance costYour premium explained, and what could change it.Open →

For business owners and investors

Business loans & readiness checkWhat lenders look for, documents, and how ready you are.Open → Rental cash flowCash flow, cap rate, cash-on-cash and DSCR.Open → Investors hubRentals, DSCR loans, keeping your home as a rental and fixer-uppers.Open → Investor (DSCR) loansQualify on the rent, not your income.Open →

Your next step

Not sure where to start? →Your Home Roadmap Can I buy a house? →Your personal plan

Educational information only. This page gives general information to help you learn and plan. It is not legal, tax, financial or other professional advice, or an offer to lend. For advice on your situation, talk to a licensed professional. Terms of use

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For buyers

For sellers

For homeowners

For business owners and investors

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