Our Services · Buyer Tools

Wiretools for discerning buyers

Plan financing, lifestyle budgets, and investment scenarios before stepping into a private preview.

Buy with Us Request previews

Budget Clarity

Know your lane

Align down payment, monthly budget, and lender-ready ratios before touring.

Scenario Planning

Compare pathways

Model rent vs buy, loan products, and renovation ranges to discover best-fit homes.

The Luxury Society Access

Arrive prepared

Use these insights to unlock private previews and negotiate with confidence.

Budget & Lending

Get lender-ready numbers at a glance

Understand payment profiles, affordability ceilings, and qualifying ratios.

Mortgage Payment

Calculate principal + interest based on price, rate, and term.

Home Price ($) Down Payment ($) Interest Rate (%) Loan Term (years)

Monthly Payment

Affordability

Determine the target price based on income, debts, and rates.

Annual Income ($) Monthly Debts ($) Down Payment ($) Interest Rate (%)

Max Purchase Price

Debt-to-Income

Show lenders how your proposed payment impacts ratios.

Monthly Gross Income ($) Total Monthly Debts ($) Proposed Mortgage ($)

DTI Ratio

Loan-to-Value

Gauge how aggressive your financing is versus appraised value.

Loan Amount ($) Home Value ($)

LTV Ratio

Closing & Scenarios

Build a concierge-ready closing budget

From settlement charges to renovation plans, map out the total investment.

Closing Costs

Estimate settlement charges, inspections, and commissions.

Purchase Price ($) Appraisal Fee ($) Inspection Fee ($) Title Insurance (%) Realtor Commission (%)

Estimated Closing Costs

Rent vs Buy

Compare the long-term cost of renting versus owning.

Home Price ($) Monthly Rent ($) Down Payment ($) Interest Rate (%) Years to Compare

Better Option

Buy

Amortization

See lifetime payment + interest totals.

Loan Amount ($) Interest Rate (%) Loan Term (years)

Monthly Payment

Home Improvement

Estimate paint + flooring budgets for quick personalization.

Room Length (ft) Room Width (ft) Wall Height (ft) Paint Coverage (sq ft/gal) Paint Cost per Gallon ($) Flooring Cost per Sq Ft ($)

Improvement Estimate

Compare Paths

Stack up loan products side by side

Use The Luxury Society data to justify rate buydowns or alternative structures.

Loan Comparison

Contrast two fixed-rate options to see monthly delta.

Option 1

Loan Amount ($) Interest Rate (%) Term (years)

Option 2

Loan Amount ($) Interest Rate (%) Term (years)

Monthly Difference

The Luxury Society Concierge

Need lender intros?

We’ll align you with financing partners, relocation teams, and private preview itineraries.

Book a buyer strategy session

Need a curated plan with lender introductions or investment modeling? Book a buyer strategy session.

Ready to buy your dream home?

Bring these numbers to our first consultation and we'll unlock The Luxury Society inventory that fits your lifestyle brief.

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