Resources

Tools & Calculators

Honest, by-the-numbers resources for every stage of homeownership — whether you're buying, selling, or maintaining.

AI Counsel

AI Buying Recommendation

Tell me about your household and what you're looking for. I'll pull current California data and walk you through the path — financing, rates, realtor fees, and how to actually get the keys.

Household & Budget

Annual Household Income ($)

Down Payment Savings ($)

Monthly Debt Payments ($)

Target Home Value ($)

Credit Score Range

Family Size

Location & Schools

Work Location (city or zip)

Max One-Way Commute (min)

School Priority

Preferred Area

Property Wish List

Bedrooms

Bathrooms

Minimum Sqft

Lot Size Preference

Anything Else Worth Knowing

Mortgage

Monthly Payment Calculator

Estimate your monthly payment including principal, interest, taxes, insurance, and HOA.

Home Price

Down Payment

Interest Rate (%)

Loan Term (years)

Property Tax (%)

Insurance (%)

Monthly HOA

Estimated Monthly Payment

$5,112

Principal & Interest$4,045

Property Tax$833

Insurance$233

Loan Amount$640,000

Total Interest (life of loan)$816,285

Affordability

Pocket-Money Comparison

Compare two home-price-and-income scenarios side by side to see what actually stays in your wallet.

Interest Rate (%)

Family Size

Property Tax Rate (%)

Insurance Rate (%)

Investable Cash Rate (%)

Home Price

Annual Income

Pocket Money / Year

$512,143

$109,549

% of Income Left

51.2%

54.8%

Mortgage / yr

$121,357

$24,271

Tax / yr

$334,500

$75,780

Property Tax / yr

$25,000

$5,000

Insurance / yr

$7,000

$1,400

Investable Cash

$320,000