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How It Works

How to Use Property Intelligence Cards for Home Buying

A Property Intelligence Card is a private, deterministic mortgage analysis for any home — generated by pasting an address or listing URL into HomeRates.AI. It shows PITI, cash to close, loan zone, income requirements, rate sensitivity, and a market snapshot. You own it. You save it. You share it on your terms.

Step-by-Step: Build Your Intelligence Card

  1. 1Paste a property address or listing URL
    Open HomeRates.AI and type or paste any street address, Zillow URL, or Redfin URL. The AI extracts the property details automatically.
  2. 2The card generates instantly
    Within seconds you see: PITI breakdown, down payment options, loan zone (conforming / high-balance / jumbo), income needed, and a 2026 rate sensitivity table.
  3. 3Adjust the interactive sliders
    Change purchase price, down payment %, or interest rate. Every number recalculates in real time — no page reload, no new request.
  4. 4Ask follow-up questions
    Ask "What if rates drop to 6%?" or "What down payment puts me conforming?" The AI runs the math and updates your card.
  5. 5Save to your private vault
    Click Save. The card is stored encrypted in your Supabase vault, accessible only to you. Compare multiple properties side by side.
  6. 6Export or share
    Download as a PDF. Or generate a read-only share link to send to your real estate agent, loan officer, or co-borrower.

What Every Card Contains

Loan Zone
• Conforming / High-Balance / Jumbo
• County 2026 FHFA limit
• Rate premium for your zone
PITI Breakdown
• Principal & Interest
• Estimated property tax
• Homeowner's insurance
• PMI (if applicable)
Cash to Close
• Down payment amount
• Estimated closing costs
• Prepaid reserves
• Total funds needed
Income Analysis
• Income needed (28% DTI)
• Income needed (36% DTI)
• Stress-test at +1% rate
Rate Sensitivity
• Payment at −0.5%
• Payment at current rate
• Payment at +0.5%
• Payment at +1.0%
Market Context
• Recent comps (Tavily)
• Price-per-sqft estimate
• Days on market trend
• AI trade-off summary
Walk into every conversation armed. Before you talk to an agent, a lender, or a seller — build your Intelligence Card. Know your PITI, your loan zone, your income requirement, and your cash to close. You are the informed party.

Paste any address and get your Intelligence Card in seconds — free, no forms required.

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How to Use Property Intelligence Cards for Home Buying | HomeRates.AI | HomeRates.ai