Autonomous Decision Score Engine

Paste a URL.
Get a full
buying intelligence report.

Drop any Redfin or Zillow listing URL into the HomeRates chat. All four Track 5 levels fire automatically — affordability, property value, market conditions, and location intelligence. No forms. No buttons. No manual steps.

Try it — paste any listing URL →

How it works

URL → Four levels → One score

🔗
1 input
Any listing URL or address

→

⚡

L1 + L2

Instant — <1 second

🧠

L3 + L4

Background — 20–40s

→

🎯
Decision Score
0–100 composite verdict

The Sequence

What happens after you paste that URL

🔗

Paste any listing URL or address

Drop a Redfin link, a Zillow URL, or a plain street address into the chat. The engine recognises it instantly — no special command required.

⚡

L1 + L2 compute in under 1 second

Your down payment and loan type are already in the session. The Financial Readiness score (L1) is calculated client-side from an LTV formula. The Property Value score (L2) compares the list price against the Redfin AVM — both resolve instantly.

🧠

L3 + L4 fire in the background — non-blocking

Grok deep analysis runs in a background thread. It pulls live market conditions (days on market, sale-to-list ratio) and location intelligence (schools, walkability, transit, safety, wildfire risk). Your PITI card and affordability sliders appear at full speed — the background analysis doesn't slow anything down.

🎯

Decision Score assembles automatically

When all four levels resolve, the composite score (L1×35% + L2×25% + L3×25% + L4×15%) is computed and the card transitions from computing to complete — animated score ring, all four level bars, and a plain-language verdict.

🤝

"Get Matched" unlocks with full context

Your session is saved with all L1–L4 scores attached. When you tap Get Matched, loan officers receive your complete analysis — not just a name and a price, but a full buying intelligence profile.

Composite Score

Weighted formula — same as Track 5

The autonomous engine uses the same four-level formula as the full Track 5 portal — just fired automatically instead of manually.

L1 — Financial Readiness

35%

L2 — Property vs. Market

25%

L3 — Market Conditions

25%

L4 — Location Intelligence

15%

Verdict Tiers

What the score actually tells you

≥ 85

Strong Buy

Excellent affordability, priced at or below market, strong location fundamentals.

≥ 70

Ready to Offer

Good across all levels — proceed with confidence.

≥ 55

Buy with Caution

One or two levels need attention. Negotiate on price or review the location factors.

≥ 40

Watch the Market

Multiple signals are weak. Consider waiting for a price reduction or a better market moment.

< 40

Hold Off

The data recommends against this property at this price and in these conditions.

Intelligence Pipeline

Three AI models. One composite output.

No single model handles everything. The platform routes each level to the model best suited for it — then cross-validates before surfacing the score.

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FRED® Economic Data

Live rate data

Federal Reserve H.15 release — the same 30-year conforming rate the market trades on. Injected into every L1 affordability calculation.

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Redfin

Property intelligence

List price, AVM (automated valuation), days on market, sale-to-list ratio, comparable sales. The source of truth for L2 and part of L3.

🤖

OpenAI

Affordability + routing

PITI computation, scenario routing, natural language parameter extraction. Deterministic mortgage math at production scale.

🧠

Grok 4 by xAI

Market + location synthesis

Deep analysis of L3 market conditions and L4 location factors — schools, crime, walkability, transit, wildfire, flood. Live web search via Grok Responses API.

Your next offer starts with one paste

No account required for the first search. Paste any Redfin or Zillow listing URL into the chat and watch the score assemble in real time.

Open the chat →

Explore the full Track 5 portal ↗

Paste a URL.Get a fullbuying intelligence report.