About
Tools, not listings
GeniusRealty exists because the biggest financial decision most people make is surrounded by content written to capture leads, not to inform decisions. We take the opposite approach: the numbers behind your next move — cited, no MLS needed.
Every calculator on this site runs entirely in your browser. We don't ask for your email, your phone number, or your ZIP code before showing you an answer. Every default value carries a source note — the mortgage rate comes from the Freddie Mac Primary Mortgage Market Survey, the appreciation default from the FHFA House Price Index — and every simplification we make is stated rather than hidden.
What we are
- A decision-tools site. Calculators that model rent-vs-buy trade-offs, true monthly housing costs, and debt-to-income affordability, with the math explained.
- Independent. No agent rankings, no sponsored lenders, no “get pre-approved here” forms. Our recommendations aren't for sale because we don't make recommendations — we do arithmetic.
- A Settle Oak property. Built and operated by Settle Oak Holdings, which develops focused consumer-information and digital properties.
What we are not
- Not a listings site. There is no MLS feed here and no home search. Sites like Zillow and Realtor.com do that well; we do the part they don't: the decision math with the assumptions shown.
- Not a lender or broker. Nothing here is a loan offer, pre-approval, or rate quote. Your lender's Loan Estimate is the binding document.
- Your answer isn't held hostage by a lead form. Every calculator works without requiring your email, phone number, or ZIP code. If we ever recommend third-party services — clearly labeled, never required — they will never change what the calculators compute.
How we make money
Advertising (which never changes what our calculators compute) and, from time to time, clearly-disclosed affiliate links in guides. Details in the privacy policy.
Contact
Questions, corrections, or math you think is wrong — we want to hear it: contact@settleoak.com