Your mortgage decision companion

Verdict

An AI-powered decision system that determines which loan fits your exact situation.

What's the verdict on your mortgage?

Answer 7 questions. Verdict determines which loan fits your exact situation, with a math-grounded affordability range, three ranked recommendations, and stress-tested scenarios — backed by current rates and your county's actual property tax data.

Math-Grounded

Real DTI calculations, your county's property tax, your state's insurance averages — not approximations.

Honest Ranges

Comfortable / stretch / don't — three thresholds, not the maximum a realtor wants you to spend.

AI Reasoning

Every recommendation explained — why this loan type, what the trade-offs are, what to watch.

~3 minutes Your data stays private First time free

Built by Abiot Y. Derbie, PhD — Postdoctoral Research Fellow. Reviewed by Dr. Eskezeia Y. Dessie at Indiana University School of Medicine.

Step 1 of 7

What's your goal?

Different journeys ask different questions. We'll route you to the right one.

Buying my first home

Personalized affordability, FHA / Conventional / VA / USDA recommendations, stress tests for your situation.

Buying my next home (currently own)Phase 2

Equity rollover, contingencies, timing the sale. Coming in Phase 2 — included in your Pro subscription.

Refinancing my current mortgagePhase 2

Break-even months, lifetime savings, cash-out viability. Coming in Phase 2 — included in your Pro subscription.

Just exploring affordabilityUse Calculator

For a quick number, our Affordability Calculator is free. Come back here when you're ready to plan.

Step 2 of 7

Where are you looking?

We use your county's actual property tax rate and your state's insurance averages — accuracy matters here.

State

Please select a state.

County

Please select a county.

ZIP code — optional

Helps refine insurance estimates for coastal / hurricane-zone areas.

Please enter a valid 5-digit ZIP.

Step 3 of 7

What's your household income?

Annual gross income, before taxes. We'll compute your real take-home from there.

Annual household income

Income must be between $10,000 and $5,000,000.

Filing status

Please select a filing status.

+ I have additional income (rental, side hustle, investments)

Additional annual income

Stable additional income only — bonuses count if reliable, one-time windfalls don't.

Step 4 of 7

How much do you have for the home?

Total liquid savings earmarked for your purchase — down payment, closing costs, and reserves combined.

Total available savings

We split this intelligently between down payment (~80%) and closing/reserves (~20%) when computing your range.

Please enter a valid amount (0 or more).

Step 5 of 7

What's your credit profile?

Approximate is fine — we use this for rate estimates and loan eligibility.

Excellent (760+)

Best rates available. Qualifies for any loan type.

Good (700–759)

Strong rates, all major loan types available.

Fair (640–699)

FHA-friendly range. Conventional possible but with higher PMI.

Building (under 640)

FHA possible with 580+ score and 3.5% down. We'll suggest credit-building options first.

Step 6 of 7

Your monthly debt payments?

Credit cards, student loans, car loans, child support — anything that hits your debt-to-income ratio.

Total monthly debt payments

Don't include current rent — we're computing what you can afford for housing instead. Include only ongoing debt obligations.

Please enter a valid amount (0 or more).

Step 7 of 7

Anything else we should know?

Optional but powerful. The AI uses this to personalize your recommendation — VA eligibility, family help with down payment, planning to rent a room, recently relocated, etc.

Your situation — optional

0 / 500

The more context you give, the more tailored your AI analysis will be.

Analyzing your situation…

Computing affordability, eligibility, and ranking loan options.

Dashboard

Phase 1A scaffolding only — full dashboard renders in Phase 1B (AI integration) and Phase 1C (renderer).

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