Ground floor
Sixteen programmes and nine calculators, each drawn as a section rather than sold as a slogan. Nothing on this site is a quote; everything on it shows its working.
A demonstration site. Storey Home Lending is fictional and lends nothing.
The payment, as a building
—
per month, everything in
Floor five
Floor three
Buy, refinance, or find out whether either is sensible yet. This decides which programmes are even in the conversation, and it is the only step that is about you rather than about arithmetic.
Run the payment, the affordability ceiling and, if you are refinancing, the break-even. Every one of these has a page here, and each shows the rule it followed. This is the floor most people skip and later wish they had not.
Income, assets, identity, and — if you are self-employed — two years of something that proves what you actually earn. There is no way to make this part shorter, only earlier.
Somebody reads the file against a rulebook. Most delays here are a document nobody asked for until week three, which is why the previous floor matters.
Two third parties on their own calendars. A lender does not control either, which is why this demonstration does not publish a closing time.
You read the Closing Disclosure against the Loan Estimate you were given, line by line, and you ask about anything that moved. Then you sign.
Floor four
Each one is its own page with its own address, and the address carries your inputs — so the link you send is the answer you saw.
Floor two
These are written illustrations, not customer testimonials. Nobody described here is a real person and no loan described here was made. A demonstration site has no customers to quote, so it does not quote any.
Illustrative scenario
A buyer with $11,000 saved looks at a $310,000 house on an FHA loan. The payment works. What almost nobody tells them is that the annual MIP will still be charged in year twenty-eight, because the loan started above 90% loan-to-value. The FHA calculator prints the duration rule next to the number.
Run it →Illustrative scenario
Six years into a thirty-year loan, a new thirty-year loan at a lower rate cuts $190 off the payment. It also adds six years of interest. The break-even page flags an extended term on screen rather than leaving it in a footnote.
Run it →Illustrative scenario
A household earning $118,000 with a $640 car payment assumes income is the limit. It is not — the total-debt ratio is, and clearing the car changes the answer more than a quarter-point of rate would. The affordability page names which constraint binds.
Run it →Illustrative scenario
A $20,000 windfall in year one takes far more interest off a loan than the same $20,000 in year seventeen. The extra-payment page lets you move the month and watch the saving collapse.
Run it →Illustrative scenario
Set home appreciation to zero and a comparison that favoured buying by five figures usually reverses. That sensitivity is the real finding, and it is why every assumption is an editable field rather than a hidden constant.
Run it →Floor one
There are no stars, no “4.9 from 312 reviews”, and no AggregateRating in the structured data. A demonstration lender has no customers, so it has nothing to average.
A made-up ID in the format a regulator actually issues could collide with a working originator’s. The site states the omission where a real lender would print the number.
Neither is in a lender’s control — the appraiser and the title company set the calendar — so no “same-day approval” or “closed in 30 days” appears anywhere.
No rate table, no APR, no “as of” date. The calculators start from a placeholder you can change and say so on every page.
The site was built against WCAG 2.2 AA as a target and has not been independently audited, so it claims nothing. The accessibility panel says the same.
Four preferences in your browser’s local storage, and that is the whole of it. The storage notice explains it rather than performing consent for tracking that does not exist.
Run the payment, find the ceiling, then decide whether you want to talk to anyone. In this demonstration nobody will call you, because there is nobody to call.
Colour scheme
Each scheme is drawn twice — once for the light theme and once for the dark — and contrast-checked in both before it is offered here.
Built against WCAG 2.2 AA as a target. It has not been independently audited, so no conformance is claimed. If something here blocks you, that is a bug.