Realtor Loan Architect

The Master Blueprint for Mortgage Planning

Realtor Loan Architect is an advanced calculation engine that transforms raw financial data into a complete 30-year homeownership roadmap.

Go beyond simple "monthly payment" estimates. This tool generates full amortization schedules, deep-dives into interest vs. principal split, and stress-tests affordability metrics across multiple markets involved in your search.

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🏗️ Structural Features

• 📐 Multi-Loan Modeling: Compare 30-year fixed, 15-year fixed, ARMs (5/1, 7/1), FHA, and VA loans side-by-side.
• 🌍 Multi-Market Analysis: Calculate payments for a $500k home in Texas vs. California, instantly adjusting for local tax and insurance nuances.
• 📉 Amortization Intelligence: See exactly how much interest you'll pay in Year 1 vs. Year 10.
• 💳 Affordability Reverse-Engineering: Automatically calculates the income required to support the loan based on standard debt-to-income ratios.

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🛠️ Input Specifications

Define the parameters of your borrowing scenario.

Required Fields

{
  "locations": ["Dallas, TX"],
  "price": 450000,
  "down_payment": 90000,
  "loan_type_display": "30-year fixed",
  "property_tax": 8500,
  "home_insurance": 1800
}

Loan Type Options

• 30-year fixed, 20-year fixed, 15-year fixed, 10-year fixed
• 7/1 ARM, 5/1 ARM
• FHA 30-year fixed (Low down payment)
• VA 30-year fixed (Veteran benefit)

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📦 Output Blueprint

Receive a JSON object containing the full financial anatomy of the loan.

{
  "location": "Dallas, TX",
  "monthly_payment": {
    "total": 3150,
    "principal_and_interest": 2250,
    "property_tax": 708,
    "home_insurance": 150,
    "pmi": 0
  },
  "loan_summary": {
    "total_interest": 420000,
    "total_payments": 870000,
    "total_cost": 960000
  },
  "amortization_summary": {
    "payoff_date": "2054-05-01",
    "year_5_balance": 330000
  },
  "affordability": {
    "annual_income_needed": 115000,
    "debt_to_income_ratio": 0.33
  }
}

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🚀 Use Cases

• Consumer Apps: Power your "How much house can I afford?" feature.
• Lender Lead Gen: Provide instant, detailed quotes to prospective borrowers.
• Market Research: Compare the "monthly carry" cost of median-priced homes across different time zones.

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⚡ Performance

• Instant: Zero-latency calculation.
• Batch Ready: Process thousands of scenarios in a single API call for large-scale analysis.

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