Increase repeat business,  generate high-Intent leads, and grow your commissions.

Afordal combines home search and nurture with real-time affordable loan insights – driving higher customer engagement, conversions and more loan opportunities for Loan Officers.

Get Started

Trusted by lending institutions and banks nationwide

Mutual of Omaha Mortgage Prosperity Home Mortgage Guaranteed Rate Affinity Weichert Financial Services Supreme Lending

Turbocharge your contacts database and new leads with advanced identity intelligence

Afordal enriches your contact database through identifying motivated, high-intent buyers, sellers and refinance opportunities by layering in predictive propensity scores, life event triggers, credit profiles and more.​

The Afordal Leads Manager
  • Upload your contacts and go!

    Our import process is quick and easy. Enrich your contact data in seconds. Exporting your data is just as simple!

  • Afordal’s AI Summary feature

    AI automatically analyzes a contact’s enriched profile to generate a concise, easy-to-read overview of their situation and likely needs. It highlights key insights and recommended next steps, helping real estate agents quickly prioritize customer conversations.

  • Life event triggers, go beyond basic filters

    Engage clients at key moments—such as divorce, empty nesters, or relocation—by identifying and acting on signals that indicate a readiness to buy or sell property.​

What sets us apart from the others?

Unlike the surface-level personalization other Prop Tech companies offer, Afordal embeds the Loan Officer’s brand deeply into every user interaction.

  • Search by affordability + financing match

    Afordal lets buyers determine and search for homes within their comfort zone, engaging higher intent buyers. (25-40% increased conversion)

  • Synchronized features that yield results

    Full integration of property search, live lending information, and ad campaigns yield significantly higher lead quality and volume.

  • Faster sales-cycle times

    Introducing the financing aspect of home purchase early in the search process streamlines the transaction time frame by 15%.

The lead scoring is incredibly useful. Using data points on property history and life events to surface the most motivated clients lets me know exactly who’s ready to act. I’m spending less time on stagnant leads and more time engaging with interested prospects.
Brent B., Loan Officer
Brent B.Loan Officer

Keep prospects engaged and speed-up sales cycles

Afordal AVM modeling illustration

Best in class AVM modeling​

Afordal leverages statistical modeling, machine learning algorithms, and vast datasets to deliver rapid and reliable real estate assessments. Keep your contacts engaged with ongoing updates on their most prized possession with features like confidence scoring and value ranges.​

Your customer’s home’s financial story – all in one place​

Stand out as a trusted advisor by offering your clients a powerful, all-in-one home finance tool that keeps them connected to their property’s financial health. By giving homeowners easy access to their mortgage details, interest rate, loan balance, and equity position in one intuitive app, you position yourself as a long-term resource.​

The Estimated Cash Out section of Afordal’s client nurture App. The My Mortgage section of Afordal’s client nurture App. The My Home section of Afordal’s client nurture App.
The Can I Pay My Home Faster section of Afordal’s client nurture App. The My Equity section of Afordal’s client nurture App. The Finance Options section of Afordal’s client nurture App.

Refi savings, equity utilization and accelerated payoff options using your rates and products

Afordal instantly compares your customer’s current mortgage to your company’s rates and programs to see if refinancing could lower their monthly payment or make a cash-out refinance worthwhile. Using a proprietary built-in mortgage savings analysis, they can explore personalized strategies to pay down their loan faster or reduce interest paid over a specific time period. Best of all, Afordal connects the user with you to guide them through every option so they can choose what’s best for their financial goals.

Industry Leading Ad Technology

Included with Agent Lead Boost Plan

4x Lower Lead Costs with MLS-Integrated Ad Campaigns

Agents can leverage Afordal’s proprietary ad format that pulls listings directly from your MLS and targets active buyers with the exact homes they’re looking for. The result? An average cost per lead 4x lower than the industry average.

  • Social Media Catalog lead ads powered by MLS listings.

  • Co-op Lead Generation pairing agents and loan officers.

Afordal listing catalog ads

Choose the best plan for you

Flexible pricing tailored to fit your business goals.

Starter Plan

$125/ MO

+ a one-time $100 setup fee

  • No Contracts
  • Includes 1 Real Estate Agent ($25/mo. Per additional Agents)
  • 250 Clients/Contacts Capacity*
  • Contact Cleanup + Enrichment
  • Automated Customer Nurture
  • Additional lead capacity can be purchased separately

$1,000 Annual payment option. Save 33% off of monthly payment option.

Select Plan

Lead Boost

$225/ MO

+ a one-time $100 setup fee

  • No Contracts
  • Includes 1 Real Estate Agent ($25/mo. Per additional Agents)
  • 250 Clients/Contacts Capacity*
  • Contact Cleanup + Enrichment
  • Automated Customer Nurture
  • Approx. 5-8 Buyer/Seller/Refinance Leads per mo.
  • Additional lead capacity can be purchased separately

$1,800 Annual payment option. Save over 33% off of monthly payment option.

Select Plan

Custom plans

Enterprise

Call for Custom Pricing

  • White Label Branding
  • Concierge Support Team
  • Scaled Pricing Model
  • Flexible Customization
Contact Us

* Additional lead capacity available for separate purchase

Contact us

Fields marked with an * are required

FAQs

What is Afordal?
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.
What makes Afordal different from other real estate platforms?
Afordal does something most platforms don’t: it matches home searches with real-time mortgage data. Instead of just looking at home prices, buyers can search for properties based on their desired monthly payment range. Plus, they can see whether the property qualifies for special financing, like VA, FHA, USDA, assumable loans, or first-time buyer programs. Agents and loan officers benefit from Afordal’s AI tools, which help them stay on top of high-priority leads and build stronger client relationships.
What are the key features of Afordal?
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.
How does Afordal benefit real estate agents and loan officers?
Afordal helps agents and loan officers identify motivated clients and keep them engaged. The platform’s AI-led scoring highlights buyers and sellers who are most likely to make a move. Hot leads can be pushed directly into existing CRMs, ensuring no opportunity is missed. Plus, it encourages teamwork between agents and loan officers, helping them work together to close more deals.
How does Afordal help homebuyers?
With Afordal, homebuyers get a clearer picture of what they can afford right from the start. Instead of falling in love with a home only to find out it’s out of budget, they can filter their search by monthly payment and financing options. Afordal also keeps them updated on their current home’s value and equity, making the buying process feel more manageable.
What sets Afordal’s AI capabilities apart?
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.
What role does RatePlug play in Afordal?
RatePlug is the pioneer in delivering real-time, accurate mortgage information directly to homebuyers through MLS and property search platforms. RatePlug’s unique technology facilitates a new way to search for properties, by affordability, which allows home search by a payment range or by eligible special financing options. Afordal unites home search and financing, delivering a single, seamless experience.
What role does HomeASAP play in Afordal?
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.
Is Afordal available nationwide?
Yes. Afordal is available across the U.S. With more than 200 MLS relationships, RatePlug’s footprint ensures nationwide adoption. Combined with the popularity of HomeASAP technology-enabled agent marketing tools used by 700,000 real estate professionals, Afordal is positioned to have an immediate impact and rapid adoption.
How can real estate professionals start using Afordal?
To get started or request a demo, visit afordal.com.