Good afternoon, Alex
You're financially ready — let's find the right move.
Sample Report
Your Home-Buying Command Center
Round Rock, TX
Readiness Snapshot
Financially ready to buy
Max purchase ≈ $462,000
Your Finances
Annual Income
$118,000
Stable W-2 · 2+ years
Monthly Debts
$410
DTI 6% of gross income
Savings on Hand
$38,500
≈ 12 months reserves
Credit Score
742
Very good tier
Score Breakdown
True monthly cost of ownership
Every dollar you'll actually pay each month at the Balanced tier — not just principal & interest.
Total housing (PITI + HOA)
$2,825
All-in ownership
$3,260
Maintenance reserve estimated at 1% of home value annually.
Long-term equity projection · 30-year horizon
Your home equity could reach $360K by year 30
Home value · yr 30
$766K
Loan balance · yr 30
$407K
Equity · yr 30
$360K
Score Progress
Track readiness improvement over time
NestScore History
How readiness changed across 4 scans
Latest
82
+18Ready
Financial Memory
Decision Journal
Every score, scenario, and market shift logged over time — your financial memory.
Co-Buyer Profiles
Add a partner or co-investor and see your combined buying power instantly.
Readiness Passport
A shareable, broker-attested affordability credential that travels with you.
Approval Path
You're pre-approval-ready — here's the assistance you can stack.
Disruptor Suite
First-of-their-kind decision tools
Mobility Arbitrage
Keep your remote salary, buy in a cheaper market — see the 5-year wealth delta and crossover month.
Bank Rejection Rewind
See who'd approve vs. reject you before you apply — and the one move that flips each "no" to "yes."
Stack the Stack
Auto-sequence your assistance programs to maximize stacked aid — with pre-filled application packets.
Sample Nestor Nudge
Your buying power is rising
Your score hit 82, up 6 points. At a $462,000 budget you're in a strong position to secure your target home.
Sample Nestor Nudge
New markets are now within reach
With your balanced $415k budget, Round Rock and Cedar Park are now realistic.
Spending vs Affordability
Monthly cash flow against the numbers that qualify you
Monthly Income Allocation
Where each dollar of gross income goes — housing budget vs current spending
Debt-to-Income vs Lender Limits
How monthly obligations stack against the 28% / 36% affordability ceilings
Housing = max affordable PITI at the balanced tier; Housing + Debts adds existing monthly obligations. Lenders typically cap the back-end ratio at 36%.
Suggested Price Bands
Conservative
26% front-end
$380K
Balanced
30% front-end
$462K
Stretch
36% front-end
$498K
Cash to close (balanced)
$31K
Readiness Checklist
Quick Actions
Tools to help you buy smarter
Explore Tools
Grouped by what you want to do
Market Pulse — TX
Median Price
$412,000
+2.4% YoY
Days on Market
38
More negotiating room
Months Supply
3.1
Balanced market
Market Temp
Balanced
Slightly favoring buyers
- Median list price $412K — up 2.4% year-over-year.
- Days on market averaging 38, giving buyers more negotiating room.
- Months of supply at 3.1 — a balanced market.
Mortgage Rates
30-Year Fixed
6.85%
15-Year Fixed
6.12%
7/1 ARM
6.45%
FHA 30-Year
6.75%
Freddie Mac PMMS · sample snapshot
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