RateReady

What can I afford at today's rate?

RateReady is a passive home affordability tracker that shows your buying power on your Home Screen. No more manually checking mortgage rates or recalculating your budget—just glance at your widget to see what you can afford right now.

THE PROBLEM Mortgage rates change constantly, and small rate movements can shift your buying power by tens of thousands of dollars. But staying on top of rate changes and recalculating your budget is tedious. Most people only check when they're actively house hunting, missing opportunities when rates dip.

THE SOLUTION Set up your financial profile once and RateReady continuously calculates your maximum affordable home price based on current market rates. Your buying power lives on your Home Screen as a widget, updated daily.

KEY FEATURES

• Home Screen Widget — See your max home price at a glance without opening an app

• Set It and Forget It — Enter your details once. RateReady handles the rest.

• Track Your Equity — Add your current home to include equity in your buying power calculation

• Smart Notifications — Get alerted when your buying power shifts significantly

• What-If Scenarios — Explore how changes to income, down payment, credit score, or rates affect affordability

• Full Payment Breakdown — See how monthly payments split across principal, interest, taxes, insurance, PMI, and HOA

• Credit Score Adjustments — See personalized rates based on your credit tier

• 15 and 30-Year Loans — Compare loan terms to find what works for you

• State Tax Rates — Accurate property tax estimates for all 50 states

HOW IT WORKS

1. Enter your income, debts, down payment, and credit score
2. Add your current home (optional) to factor in equity
3. Add the widget to your Home Screen
4. Check your buying power anytime with a glance

YOUR DATA STAYS PRIVATE All your financial information is stored locally on your device. Nothing is sent to external servers or shared with third parties. The only network requests are to fetch current mortgage rates and home valuations—no personal data is transmitted.

Whether you're saving for a down payment, waiting for rates to drop, or just curious about your buying power, RateReady keeps you informed without any ongoing effort.