Decision desk
Run the next housing decision
Pressure-test the next move with a tighter desk view: budget, payment, lock timing, seller structure, and refinance math.
Buy vs Rent
Compare total housing cost, breakeven horizon, and the opportunity cost of waiting.
Affordability
Set a realistic budget guardrail using income, debts, taxes, and today's rate backdrop.
Lock vs Float
Decide whether to lock now or float based on timing risk and market posture.
Rate Lock Risk
Quantify what waiting could cost in monthly payment and loan affordability.
Payment
Pressure-test payment sensitivity with taxes, insurance, HOA, and PMI.
Market Temperature
Read local-style housing pressure before you commit to a purchase timeline.
Revisit loop
Come back when the payment math changes
Start with affordability or buy vs rent, then rerun lock timing when rates, spreads, or inventory pressure shift the monthly payment.