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Know if you're truly ready before you buy
Home buying is the biggest financial decision most people will ever make. HōMI measures your financial reality, emotional readiness, and market timing to tell you if now is the right time — before anyone tries to sell you a mortgage.
What You Get
Get your personalized readiness score across three dimensions: Financial Reality (35%), Emotional Truth (35%), and Perfect Timing (30%).
10,000 simulations model market crashes, income shocks, and maintenance costs over 60 months to see if you'll survive the unexpected.
See your real monthly payment including principal, interest, taxes, insurance, HOA, and PMI — not the teaser rate from the lender.
Simulate different scenarios — purchase price, down payment, monthly payment — and see how each affects your readiness score in real time.
Available Tools
Get your HōMI-Score in under 5 minutes. Zero commissions. Zero conflicts.