The Future Homeowner Plan

Your roadmap to your first home.

A free app for first-time home buyers planning ahead for homeownership.

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The Future Homeowner Plan app home screen showing a Future Homeowner Score of 65 out of 100
How it works

Three simple phases.

1

Plan It.

Get mortgage-ready. Build credit. Save for a down payment.

2

Find It.

Build your wish list. Tour homes. Make smart offers.

3

Own It.

Navigate escrow with confidence. Pick up your keys.

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Plan it

Get mortgage-ready.

Seven modules walk you through credit, down payment, and what lenders look for.

Plan It tab showing 7 modules with progress
Find it

Know what you want.

A wish list that stays with you across every home you tour.

Find It wish list with property type, bedrooms, areas filled in
Help, your way

A real person. Or AI. Either way, instant.

Text or call your licensed Realtor through the app. Or ask Clarity, our AI guide, anything, 24/7.

Chat screen to message or call your home buying coach, plus AI guide Clarity
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See your numbers

Know what you can afford.

Built-in calculators do the math for you.

Mortgage calculator

Your monthly payment.

Plug in a home price. See principal, interest, taxes, and insurance.

Mortgage calculator showing $5,601 per month based on a $750,000 home
DTI calculator

How lenders see your debt.

Know your debt-to-income ratio before lenders do, with front-end and back-end targets.

Debt-to-income calculator showing a 32.8% back-end ratio with green status
Ralph Richardson

"I built this app to give every first-time buyer the same guidance I give my personal clients."

Ralph Richardson
Realtor · KW Corona · DRE# 02054110
Real homeowners

Since 2019. Many keys.

"The Future Homeowner Program really works." Praise closed on her home after years of trying.
"OMG, is this real?!" Etta and her family started a new legacy of homeownership.
See more stories →

Start your plan.

Free. About 3 minutes.

Start my plan