Sill
Log InGet Started
A modern craftsman-style home glowing warmly at dusk, with a couple standing together on the lit front porch.

Built for homebuyers

Make them earn your business.

Create a verified buyer profile, compare offers on your terms, and decide who earns your business.

See what you can affordExplore the tools

Private until you publish · We don't sell your data · No hard credit pull

Offers from agents

Illustrative — marketplace launching soon

LIVE

Agent A

Verified · your market

$3,600

total value

Commission rebate

$2,600 back at close

0.5%

Home warranty

credit outside closing

$500

Inspection credit

cash incentive

$500
Flexible agreement termsBuyer strategy session

Agent B

Verified · your market

$4,400

total value

Commission rebate

$3,900 back at close

0.75%

Inspection credit

cash incentive

$500
Extended-hours touringResponse-time SLA

Agent C

Verified · your market

$1,800

total value

Commission rebate

$1,300 back at close

0.25%

Home warranty

credit outside closing

$500
Neighborhood market reportBuyer strategy session
Your verified profile
Buying power $485,000

Three steps to real savings

01

Build your profile

60 seconds, no commitment

Answer a few questions about your finances, goals, and timeline. We use self-reported data and soft inputs to assess your readiness without affecting your credit score. Your data stays yours — we don't sell it, and you won't get spam-called.

02

Improve your readiness

Free coaching, live rate updates

Get personalized recommendations to strengthen your profile. Track rate changes in real-time and understand exactly what moves the needle on your buying power.

03Launching soon

Then they compete for you

Marketplace launching soon

When the marketplace opens, publish your profile and vetted lenders and agents in your market respond with concrete offers — rate buydowns, waived fees, or commission rebates. You compare side by side and choose who earns it. Building your profile now means you're ready on day one.

Ask Sill

Useful from minute one.

Your profile powers a real financial model — not a generic calculator. Here's how Sill answers.

Should I pay down my car loan first?

Sill

Good instinct — let's run your numbers. You owe $8,200 on the car at $310/mo. Clearing it drops your DTI from 38% to 32% — under the 36% line most lenders price against — and unlocks about $57K more buying power. It uses part of your $45K savings, but your down payment stays above 10%, and you free up $310/mo of headroom. Net: if you're buying in 6+ months, the payoff wins.

Buying power impact

Today$485,000
After payoff$542,000(+$57K)
Based on previous inputs

Educational only. Not financial, legal, or tax advice. For specific guidance, connect with a licensed loan officer through Sill.

The tools

Everything you get from day one.

Your buying power

$485,000

modeled on your real numbers

Affordability

Personalized affordability modeling.

We model your actual numbers — income, debts, savings, goals — against live rates. Adjust any input and see the downstream effect on your monthly payment, total interest, and time to readiness.

A 0.25% rate drop means

+$34,000

more buying power, for you

Rate tracking

Tied to your buying power, not the headline.

We watch the market and tell you what changes mean for you specifically. A 0.25% rate drop might mean $34,000 more in buying power — we'll surface it the moment it happens.

Pay down your car loan

+$57K

unlocks more buying power

Readiness

A plan, not a verdict.

Personalized recommendations to strengthen your profile — with the payoff attached. Every ask explains why, and what it unlocks: "pay down $8,200 in debt → $57K more buying power."

Your DTI after payoff

38% → 32%

asked and answered in seconds

Ask Sill

Answers from your actual numbers.

Ask anything about buying a home. Sill answers from your profile — DTI, down payment, timelines — not generic rules of thumb. Educational only; licensed pros for the specifics.

Hard credit pulls

0

your score stays untouched

Verification

Verified once. Trusted everywhere.

Link your bank securely to verify income, balances, and liabilities — no hard credit pull. Verified lines are stamped, so anyone you share with knows what's confirmed vs. estimated.

Buying a home, before and after.

Drag the handle to compare.

The old way

  • Call a lender just to learn your budget — hard credit pull included

  • Your phone number sold as a lead to dozens of strangers

  • Generic pre-qual letters priced off headline rates

  • Spam calls for months, whether you buy or not

A cluttered kitchen counter buried in mortgage paperwork, envelopes, and sticky notes, with a phone showing an unknown-number call.

With Sill

  • See your real buying power in 60 seconds — no credit pull

  • Private until you publish, anonymous even after

  • Concrete offers tied to your actual profile

  • Your contact info is shared only when you accept

Close-up of a house key being handed from one person to another in a sunlit kitchen.

Marketplace · Launching soon

Soon, they'll compete for you.

Publish an anonymized buyer passport — no name, no phone number, no exact figures. Vetted agents in your market respond with concrete offers. You compare side by side, and your contact info is only shared when you choose someone.

  • Anonymized passport: financials shown as ranges, verified lines stamped with a date
  • Double opt-in: no one gets your identity until you both agree
  • Agents pay a flat connection fee — never a cut of what you save
Get ready before launch

Illustrative — a shared result at launch

AA

Agent A

Verified · your market

Rebate

0.5%

Cash incentives

$1,000

Home warranty

Coverage for eligible home systems after closing.

$500

Inspection credit

Inspection credit delivered outside closing disclosure.

$500

Flexible buyer-agreement terms

Shorter commitment terms with straightforward cancellation.

Buyer strategy session

A focused planning session before touring or offer strategy.

Active offerView offer

3 agents competing — offers worth up to $8,000

Rate buydown6.125%vs. 6.75% headline
Commission rebate$4,500where state law allows
Waived lender fees$1,850origination + underwriting
Closing-cost credit$3,000you keep every dollar
Free rate lock60 dayswhile you shop
1% of purchase back$5,200on a $520K home

Illustrative examples of the offer types agents will make at launch — not live offers.

Built differently. On purpose.

We don't sell your data.

Not to lenders. Not to agents. Not to advertisers. Your profile is yours.

We don't take a cut of your savings.

When a lender offers you a $3,000 credit, you get $3,000. We never touch what you save at the table.

You decide who sees you.

Your profile is private until you publish it. Disconnect, delete, or walk away anytime.

We make money when you choose someone.

Agents and lenders pay a flat fee to connect with verified buyers — with your permission. That's the entire business.

No data brokerage. No lead resale. No skimming. Just a marketplace where you hold the leverage.

Questions, answered plainly.

Stop hoping for a fair deal.

Build your profile in 60 seconds. See what you can afford. Publish when you're ready — not before.

See what you can afford

Build in 60 seconds · We don't sell your data · No spam calls