Decision math
Tools
Lenses for the math. Not a catalog. Educational estimates. Not a HōMI verdict.
Financial Reality
What you can carry — not just what a lender will approve.
Affordability
Three honest comfort tiers — 28 / 33 / 36. Not the 45% housing hard stop.
Open lensHome Equity Line
Borrowable equity after combined loan-to-value caps — not paper equity.
Open lensRefinance Break-Even
When payment savings repay closing costs — and if you’ll still be there.
Open lensAPR Comparison
Three offers ranked by cost-inclusive APR, not just the teaser rate.
Open lensLoan Programs
Conventional vs FHA vs VA after down payment, MI, and upfront fees.
Open lensStability
Shock absorption before the leap.
Perfect Timing
Independence and path risk — educational, not advice.
HōMI tools are educational. They do not provide financial, tax, mortgage, or investment advice. Confirm critical numbers with qualified professionals before you act.