Shape your way home

The first homebuyer advisor that shows you why.

Clay runs deterministic math on your real finances, then convenes a transparent AI council that debates your readiness from three angles—financial, life goals, and fairness. You see every number, every argument, every dissenting opinion.

Get Started with Plaid

Connect

Live Bank Data

Link your accounts via Plaid. Income, debt, and savings populate automatically.

Analyze

Transparent Math

DTI, housing ratio, cash-to-close—all computed deterministically with FRED & Census data.

Debate

AI Council

Three specialized agents argue your case. Read the full debate transcript and dissenting opinions.

Shape

Your Roadmap

Milestones, scenarios, and what-if sliders so you can mold your path to homeownership.

How it works

Connect or enter your data

Plaid sandbox auto-fills income, debt, and savings. Or type it in manually.

Council deliberates

A Financial Analyst, Life Coach, and Fairness Auditor debate your readiness using real market data.

See everything

Score, verdict, milestones, what-if scenarios, and a full audit trail. Nothing hidden.