Simple, honest pricing

Real mortgage math, live rates — no hidden fees, no sales pitch.

Free
Free

Every core tool, no credit card. ~6-7 AI questions to start.

  • My Home — live value, equity & refi window
  • Level 5 Decision Score + Property Gap Analysis
  • Property Lookup — full intelligence report on any address
  • Rate Intelligence — live rates by loan program
  • Rate Engine — where does your rate fall?
  • AMI Qualifier + census-tract eligibility
  • Anonymous Rate Marketplace — no calls, no names
  • HomeRates Discover — 4-step eligibility check
  • Basic calculators + shareable answer links
Most popular
Plus
$7/mo

For homebuyers who want every tool unlimited.

  • Unlimited AI questions — no credit cap
  • Everything in Free, unlimited use
  • PDF export of any answer or report
  • Rate, refi & property alerts
  • Priority support
Investor + LO
Pro
⚡ Intro pricing — limited time
$49
$19/mo

Everything in Plus, plus the full investor analysis layer.

  • Full DSCR / Investment Property Reports
  • Portfolio tracker + deal pipeline
  • Watchlist + cash flow monitoring
  • Live rent estimate + full cap rate analysis
  • Everything in Plus
  • For loan officers & agents
  • Up to 10 borrowers + LO dashboard
Enterprise

For lenders, broker firms & banks

White-label AI mortgage intelligence for your team, branch, or institution. Volume licensing, NMLS import, API access, dedicated support, and SLA. Pricing by negotiation — every deployment is different.

  • ✓ Team & branch management
  • ✓ NMLS / DRE bulk import
  • ✓ API access & white-label options
  • ✓ Dedicated onboarding & support
  • ✓ Custom SLA & data agreements
  • ✓ Brokerage billing consolidation
Custom pricing
Negotiated based on team size,
integration scope, and term.
Contact us →
Typical range: $4,800–$120,000+/yr depending on seats and scope.
HomeRates.ai — Home + Mortgage AI Chat