Home Mortgage Compound Interest Are You Rich?
Buy vs Rent Calculator · 25 Cities · 2026

Foreclosure Timeline — How Long Do You Have?

Foreclosure Timeline Calculator

Real market data for 25 cities worldwide. Appreciation rates, costs, breakeven point. No spin — just the math.

🌍 Select Your City
Choose a city to load real local market data — or adjust the numbers manually below.
🏠 Buying BUY
$
$
%
%/yr
%/yr
%/yr
🏢 Renting RENT
$
%/yr
%/yr
years
$
🏠
—
—
—
—
Buy Net Worth
—
—
Rent + Invest
—
—
Breakeven Year
—
When buying pulls ahead
Total Buying Cost
—
All-in over period
Total Renting Cost
—
All-in over period
Home Value
—
—
30-Year Net Worth Comparison
Buying vs. Renting + Investing the difference
✦
Banker's Note
23 Years · Licensed Professional
—
Free · No Spam
Get Your Full Buy vs Rent Report
Complete year-by-year breakdown + personalized recommendation sent to your inbox.
No spam. Unsubscribe anytime.
✅ Done! Check your inbox for your full comparison report.
📄
Legal Documents
Ready to Buy? Get Your Purchase Agreement or Lease Contract
Whether you're buying a home or signing a lease, LawDepot has state-specific legal documents ready in minutes — no lawyer needed.
Create Document →
Protect Your Credit
Foreclosure destroys your credit score for 7 years.
If you're already behind, Sky Blue Credit can help you start rebuilding now — before or after foreclosure proceedings.
Reduce Monthly Housing Costs
Lower your property tax bill — free to try.
If you're struggling with housing costs, Ownwell can appeal your property tax. No upfront fee — only pay if they save you money.
Appeal My Property Tax →
Z
The part almost nobody publishes free

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.

Which lenders approve most → Your metro → Denied? →

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.

The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
Get the Dispatch →
AI Accuracy Index The Door Effect The Denial Map Open Data About 184 Metro Gaps Evidence Navigator Hallucination Files Press Newsletter
FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.