Advanced home search, lead generation & nurture

Afordal by RatePlug – the pioneer of mortgage data integration into home search systems – is the first platform that makes it easy for homebuyers to find properties they can actually afford. It brings together home search, real-time mortgage rates, rapid pre-approval, and property-specific special financing, all in one seamless solution.

Its standout feature is the “search by affordability” tool, which lets buyers find properties based on what they can comfortably pay each month. Real estate agents and loan officers also get AI-driven tools that help them collaborate and connect with clients more effectively.

Afordal came to life after RatePlug acquired HomeASAP, combining HomeASAP’s home search and marketing tools with RatePlug’s lending expertise.

Affordability-centric search: Buyers can search properties based on live mortgage rates, monthly payment range, and eligibility for special financing programs like low-down or zero-down VA, FHA, USDA, assumable loans, and first-time buyer programs.

Fast-track pre-approval: Allow buyers to calculate their PITI and match eligible homes with pre-approval. An upcoming version will render a pre-approval in less than 30 seconds.

AI-driven lead scoring and data enrichment: Afordal helps professionals identify motivated, high-intent buyers, sellers, and refinance opportunities by layering in predictive listing scores, life event triggers, credit profiles, and more.

Life-cycle customer nurturing: Enables agents and loan officers to align with customer needs, where both can nurture and support their customers with affordability insights, current property insights (AVM), and savings opportunities on their current mortgage.

Afordal goes beyond basic lead tracking. It uses AI to look at signals from life events, credit activity, search behavior, and equity changes, helping agents focus on clients likely to buy or sell soon. It keeps ranking leads, sending real-time alerts when someone shows high intent. This way, agents and loan officers always know who to prioritize.

HomeASAP’s technology is the backbone of Afordal’s home search and marketing capabilities. After RatePlug acquired HomeASAP in late 2024, it brought in tools like the Real Estate Agent Directory and IDX Home Search, which are used by over 700,000 real estate professionals. These features enhance Afordal’s ability to connect buyers with agents through social media and lead generation.