Most buyers search by price. This starts with payment.
Search by a payment built the way lenders actually build one — reassessed CA taxes, program-specific MI, the full fee stack.
Step 1
What can you actually afford?
Search by your target payment or a purchase price. We calculate your Real Payment — a structured estimate built on the numbers your lender will actually use.
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Have a specific property in mind? Enter the address and see what you'd actually pay each month — with reassessed taxes, real insurance, and real MI.
VA Funding Fee Status
Real PaymentA structured estimate including principal & interest, reassessed property tax (1.10%), homeowner's insurance, and mortgage insurance if applicable — the payment built on the numbers your lender will actually use.--
Principal & Interest--
Property Tax (reassessed 1.10%)--
Insurance--
Mortgage Insurance--
APR--
Rate--
Loan Amount--
Down Payment--
Est. Closing Costs--
Est. Prepaids/Escrow--
Est. Cash to Close--
Calculations use today's market pricing. For demonstration purposes only — rates vary by borrower & program. Contact Wes for your exact structure.
Step 2
Now see what that buys you
Homes matched to your payment — with real costs, market rejection data, and seller credit strike zones.
Homes marked "Within Reach" are just above your target. A seller credit or rate buydown — not a price cut — could bring them into range.
Renovation Opportunity
Re-ranks by Homestyle Score — equity manufactured, not inherited
Map view unavailable — no location data for these listings.
Running the audit...
No homes found. Try adjusting your payment range or city.
Permanent Buydown — Cost of Capital Analysis
Permanent buydown lowers your rate for the life of the loan — not a 2/1 teaser. Contact Wes for exact pricing.
Seller-Funded Equity — $15,000 Credit Analysis
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Live Pricing Required
Seller credit buydown calculations require live wholesale pricing to be accurate. This section stays locked until that pricing is connected. Contact Wes for exact buydown structuring on any property.