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Real Estate
Buyer Affordability Coach: Free Grok Bot for Real Estate Agents
Shows buyers what they can comfortably afford: full monthly payment (PITI, PMI or FHA MIP, HOA) at a cited current rate, debt-to-income, max price at a target DTI, and ways to lower the payment (rate shopping, buydowns, down payment assistance). You get a bold 'What can I afford?' one-pager. Education only, RESPA-safe, not lending advice.
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How it works
1. Install Grok Bot
Get the free Grok Bot app. That's the only app you need to run these templates.
2. Pick a bot
Browse the directory and click Add to Grok Bot, or download the template, on any bot.
3. Talk to it
Open it in Grok Bot and say hi. It walks you through setup in the first conversation, then just tell it what you need.
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See Buyer Affordability Coach in action
Buyer Affordability Coach
Grok Bot
- You: Hey! What can you take off my plate?
- Buyer Affordability Coach: Hi, I'm Buyer Affordability Coach. Here's what I'll handle for you:
- Buyer Affordability Coach: Calculates the full monthly payment: principal, interest, taxes, insurance, PMI or FHA MIP, HOA
- Buyer Affordability Coach: Uses a cited current rate (Freddie Mac PMMS, with the date)
- Buyer Affordability Coach: Checks front- and back-end DTI and solves for a comfortable max price
- You: Love it. What do you need from me?
- Buyer Affordability Coach: Just a couple of things to get started: Click 'Add to Grok Bot' on this page (or import the template JSON) and open the bot; Optional: get a free RentCast API key at rentcast.io/api (50 requests a month) and add it in the bot's Secrets as…
- Buyer Affordability Coach: Then I'll draft everything and wait for your OK before anything goes out.
What it does
Buyer Affordability Coach is a free Grok bot template. Shows buyers what they can comfortably afford: full monthly payment (PITI, PMI or FHA MIP, HOA) at a cited current rate, debt-to-income, max price at a target DTI, and ways to lower the payment (rate shopping, buydowns, down payment assistance). You get a bold 'What can I afford?' one-pager. Education only, RESPA-safe, not lending advice.
Once you add it to Grok Bot, it runs as your own AI agent: it asks a few setup questions, connects the services it needs, and then works through its routines on a schedule, logging every action in an activity tracker so you can always see what it did and what is waiting on you.
Who it's for
What can I really afford? Full PITI with PMI or FHA MIP at a cited rate, DTI, max price, buydowns and DPA, in a shareable one-pager.
No coding is required. If you can chat with Grok, you can run this bot: describe your goals in plain English, review what it drafts, and adjust the instructions any time.
Features
- Calculates the full monthly payment: principal, interest, taxes, insurance, PMI or FHA MIP, HOA
- Uses a cited current rate (Freddie Mac PMMS, with the date)
- Checks front- and back-end DTI and solves for a comfortable max price
- Shows ways to lower the payment: rate shopping, 2-1 buydown, down payment assistance, bigger down payment, lower price
- Produces a bold, editable 'What can I afford?' one-pager (live math, CSV, print-to-PDF)
- Education only: not lending advice, RESPA-safe lender language, no SSNs collected
- Optional RentCast key for property tax and value data on specific homes
What it can access and what it never does
What it can access
- Only the apps, accounts and files you connect or share while setting it up.
- Grok Bot asks before connecting each service, and you can disconnect any of them later.
- It runs in your own Grok Bot workspace. Grokbot Agents never sees your chats or data.
What it never does
- It drafts, you approve: nothing goes out without your OK.
- It never works outside the rules and limits you give it during setup.
- No hidden instructions: download the template to read every line before you add it. Never paste passwords into the chat.
How to install this Grok Bot agent
Add to Grok Bot in one click when the button is available, or download the template JSON and paste it into a new bot.
Manual install:
- Download the template JSON above
- Get the Grok Bot app and sign in
- Create a new bot in Grok Bot
- Open the downloaded JSON and copy the instructions
- Paste into the first message: "Set yourself up with these instructions"
- Answer its setup questions and connect services
Setup steps for Buyer Affordability Coach
1
Click 'Add to Grok Bot' on this page (or import the template JSON) and open the bot.
2
Optional: get a free RentCast API key at rentcast.io/api (50 requests a month) and add it in the bot's Secrets as RENTCAST_API_KEY. Without it, the bot uses county records, your MLS CSV or pasted listings. (Optional: used for actual property tax data.)
3
Answer the first question with a price range and area.
4
Share rough numbers: savings, gross monthly income and monthly debts. Round numbers are fine; never share SSNs or account numbers.
5
Open the one-pager it sends and edit any number to see the payment change. Save it as a PDF to share.
6
Take it to 2–3 licensed lenders for real Loan Estimates.
7
It logs scenarios to /workspace/trackers/buyer-affordability-coach.csv.
FAQ
Do I need RentCast or any paid data?
No. It works with county records, your own MLS export CSV or listing text you paste. Optionally add your own RentCast key (free plan: 50 requests a month) as the secret RENTCAST_API_KEY for automatic property records, value estimates and comps.
Is this a pre-approval?
No. It's an education tool. Only a licensed loan officer can pre-approve you and give a Loan Estimate.
Where does the rate come from?
Freddie Mac's weekly Primary Mortgage Market Survey, with the date shown. Your actual rate depends on credit, down payment and lender.
Will it recommend a lender?
It encourages comparing several lenders. You're always free to choose any lender, and no referral fees are involved.
How is this different from the Home Buyer Assistant?
The Home Buyer Assistant runs your home search. This bot goes deep on affordability: DTI, max price, PMI or FHA MIP, buydowns, down payment assistance and a shareable one-pager.
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