Set your target home, income, and monthly budget. We monitor rates and prices — and alert you the moment your dream home becomes affordable.
Enter your city, target price, income, and max monthly payment. We calculate exactly where you stand today — and how far you are from affordable.
Every month, we recalculate your affordability score based on current mortgage rates and local price trends. When something changes significantly, we run the numbers.
"Austin affordability improved 6% this month. Your target home is now $180/month closer to your budget." You'll know before anyone else in your network.
When your target hits your budget, you're already pre-informed — not scrambling. Ask Zai for the next steps the moment you get the green light.
🔍 Also explore: All FRC Tools · Lender Comparison · FHA by State · Lender Stress Index
Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% — same programme, same year.
And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7× range in expected outcomes.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.