About this tool

Almost nobody is actually waiting for rates. They’re waiting because the payment feels unknowable, or because they don’t trust what they’re reading, or because something at home isn’t settled yet. “Rates” is just the sentence people have learned to say when they don’t want to explain the rest.

This planner takes what you’ve heard from one specific client and sorts it into four categories — cost, confidence, stability, and timing — then tells you which conversation you’re actually in. A cost concern needs numbers. A confidence concern needs questions, and sending more numbers makes it worse. Getting that backwards is why so many affordability conversations go nowhere.

Work through the eight steps before the meeting and the tool builds a plan you can copy into your CRM or print and carry in. Come back to the last panel afterward and it becomes a record of what actually moved the client.

Nothing you type leaves your browser. There’s no account, no saving, and no server — the plan exists only until you copy or print it. That’s deliberate, because you’re typing about a real client.

Part of the Market Edge™. Free, no signup.