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Rate alert: 30Y fixed is at — this week. Run your own numbers to see your exact payment.
Property Lookup
Works on sold, pending, and off-market properties · Instant refi readiness · No account needed
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SEE WHAT HOMERATES FINDS
From a property address to a clearer decision.
HomeRates brings the property, financing, monthly cost, market evidence, and important unknowns into one place—before you commit.
Real HomeRates.ai example107 Oxford #34 · Irvine, CA 92612
Property snapshot
2 bd / 2.5 ba · 1,134 sqftPROPERTY FACT
Property type not yet resolved for this record
Property-value context
$929,702ESTIMATE
Automated valuation, averaged from Redfin and Zillow estimates
Estimated monthly cost (PITI)
$5,648/moDERIVED CALCULATION
20% down, conventional, 30yr fixed, ~6.881% rate
Market evidence
48 days on market · 99.0% sale-to-listMARKET FACT
Area median, from recent comparable sales
Important unknownsUNAVAILABLE
- Current list price — not available for this record
- HOA dues — not yet confirmed
Confirm HOA dues and current listing status, and get a personalized rate quote from a licensed lender.
Real, published HomeRates.ai record — snapshot captured 2026-09-15. See the live, current version →
Not a calculator.
An intelligence layer.
Traditional mortgage sites make you fill out forms and wait for a call. HomeRates.ai answers the same questions a seasoned loan officer would — instantly, at any hour, with live market data.
Live FRED data — 22 seriesRates, inflation, housing, treasury yields — updated weekly from the Federal Reserve.
HomeRates LabPolicy questions answered by a reasoning model trained on FHA, conventional, and DSCR guidelines.
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HOMERATES.AI · LIVE
$550k home, 20% down, what's my payment?
HOMERATES.AI
$2,749/mo
Principal & Interest · 30yr fixed · 6.38%
Loan amount$440,000
Down payment$110,000 (20%)
Total interest$549,744
LTV80% — No PMI
What if I put 10% down instead?
HOMERATES.AI
$3,191/mo
Includes PMI · 90% LTV · 6.38%
PMI added~$206/mo
Extra cost vs 20%+$442/mo
<2s
Average response
From question to full breakdown — no loading spinner
22
Live data series
FRED-sourced rates, inflation, and housing metrics
5
Loan modules
Conventional, FHA, DSCR, Refi, and Affordability
$0
To get started
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