John Abril Real Estate and Lending, Simplified™.
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Buyer resource center

Thinking about buying?

Start with what you can actually afford, not with what's for sale. Work out the number, see today's real rate, then look at homes knowing what each one costs you a month.

First, what can you actually afford?

Before looking at homes — a real number, using a live mortgage rate rather than a rule of thumb.

1

What can I afford?

Your income and debts turned into a maximum price and a real monthly payment, using today's rate.

 2

Not sure where to start?

Three questions, and it points you at your next step instead of a sales call.

Then, what will it actually cost each month?

The payment is the thing you live with. Rates move, so these read live rather than being printed once.

3

Get your rate

A quote from the person who is also your agent — one conversation, not two.

 4

Track rates

Today's 30- and 15-year averages, and a free Rate Watch that tells you when they move.

Short on the down payment?

The most common reason people assume they can't buy — and the most common thing they're wrong about.

5

Down-payment help

See which California down-payment-assistance programs you may qualify for.

 6

Buying something that needs work

Renovation and bridge financing, if the house you can afford needs work first.

Now look at what's actually for sale.

Live CRMLS listings, with an estimated monthly payment on every card.

7

Search homes

Every active listing, mapped, with an estimated payment on each one.

 8

Renting first?

Live rental listings, if buying is the year after this one.

Already own a home?

Buying and selling at the same time is the hardest version of this, and the one a dual licence actually helps with.

9

What's your place worth?

A real valuation on the home you're leaving, since it sets the budget for the next one.

 10

Move in before you sell

How the bridge works when you don't want to move twice.

 11

What you'd walk away with

Your proceeds after payoff and costs — nothing pre-filled, every input yours.

Or start with where you want to live.

What each city is actually like to buy in — prices, schools, commute, and what's on the market now.

Upland Ontario Rancho Cucamonga Chino Chino Hills Claremont Montclair Fontana Rialto Pomona La Verne San Dimas

Every tool, if you'd rather just browse.

This page is the path most buyers take. The full index has all of it in one list.

All tools Selling instead? Blog