Get an instant, lender-realistic estimate in 30 seconds. No SSN, no spam — just numbers you can trust before you fall in love with a listing.
I'll send you 5 hand-picked listings that match your budget — and the ones that just hit the market before they're public.
Most real estate agents have one of two affordability tools: the one their broker built in 2014 that still uses a 30-year amortization formula, or a generic Zillow widget on their personal page that captures leads for Zillow instead of for the agent. This tool is built for working agents who want a real lead-generation asset — branded with their headshot, their phone number, their license, their MLS feed — that does the 28/36 lender math correctly and captures every visitor's email straight into the agent's inbox.
Listing agents, buyer's agents, broker-owned teams, and mortgage loan officers who want to embed an affordability calculator on their website or send it as a link in first-touch emails. If you're paying $200/month for a CRM that has a "calculator" feature you never use, this replaces it for $0.
1. Enter income, debts, and down payment. Annual gross income (or monthly net — toggle), monthly debt payments (auto loans, student loans, minimum credit-card payments), and how much they have for a down payment.
2. Set the interest rate. Pre-filled with the current 30-year fixed rate but editable. If your buyer is shopping for a 15-year or considering an ARM, the rate field carries them.
3. See the affordability range. The calculator runs both conventional 28/36 ratio (front-end housing cost ≤28% of gross, total debt ≤36%) and FHA's more generous 31/43 — giving the buyer two numbers: the conservative comfortable price and the stretch maximum.
4. Browse matched home price tiers. Below the calculation, the buyer sees three tier cards: their comfortable price, their stretch price, and a price 10% above stretch (in case they fall in love with a slightly bigger home and want to know the monthly impact).
5. Email me a copy of this analysis. The buyer enters their email and the tool sends them a PDF summary plus drops their email into your CRM. This is the lead-capture moment.
Embed the calculator on a dedicated landing page (yoursite.com/affordability) and drive traffic from your Instagram bio, your business card, and your sign-rider QR codes. Every visitor that fills in the form becomes a tracked lead with their financial profile pre-attached.
Use the "send analysis to my email" capture for two-touch follow-up: same day, send a personal "I saw you ran the numbers — happy to chat through the rate environment if you're getting serious" email. Then loop them into your monthly market update.
If you serve multiple markets, build a version per market with the local median price baked in as the default. A New Jersey buyer sees different numbers than a Texas buyer.
Don't promise mortgage advice. Add a fine-print line: "Final approval depends on lender underwriting; this is an estimate, not a pre-approval." Compliance keeps your license.
The sample is generic. Your version is branded with your headshot, your phone and email, your license number, your brokerage, your service area, your MLS link, and routes the captured leads to your inbox. Two minutes to build, $19 pre-built personalization, $179 fully custom at yoursaas.diy.