What Sill actually does

Most people meet a lender before they understand their own numbers, and end up making the biggest financial decision of their life inside somebody else's sales process. Sill exists to flip that order.

The short version

You build a buyer profile. Sill turns it into a readiness picture — what looks strong, what is missing, what is tight, and which next action matters most. Then you can model real scenarios against it until the plan makes sense to you, at your own pace, with nobody waiting on the other end of a phone.

What you can do today

• Build a profile: income, savings, debts, credit posture, target area, monthly comfort, and timeline.
• See your readiness, the goals behind it, and what to do next.
• Ask Sill — an AI advisor that answers against your own numbers instead of national averages.
• Run the math: affordability, monthly payment, cash to close, rent vs. buy, and down-payment comparisons.
• Save real homes and test whether one actually fits your profile.
• Watch rates and see how a move changes your payment.
• Verify your finances by uploading documents or linking an account.
• Publish when you are ready, and choose exactly what to share.

What Sill is not

Sill is not a lender and does not approve loans. Pre-qualification, pre-approval, pricing, rate locks, and underwriting decisions all belong to a licensed lender. Sill's job is to get you to that conversation with a clean picture: current numbers, verified where possible, and a clear story about the home you are trying to buy. There is no hard credit pull anywhere in the product.

What it costs

Sill is free for buyers. Your profile, your readiness, the calculators, and connecting an account to verify your finances all cost nothing. Sill Plus is an optional upgrade at $9.99 per month — or $4.99 per month billed annually — with a 14-day free trial and no card required to start. It adds unlimited Ask Sill, custom rate alerts, and priority concierge. The core path to homeownership stays free.

What is live, and what is coming

Everything above is live now. Publishing today routes into a concierge match: Sill's team hand-vets professionals in your market and brings their offers back to you. The marketplace — where vetted agents compete for an anonymized buyer passport with concrete offers — is launching soon, and a verified profile is how you arrive ready for it.