Realtor.com

Use this when the user asks how much home they can afford or wants to understand their buying power. Returns maximum affordable price, estimated monthly payment, debt-to-income analysis, and local market comparison (median prices, mortgage rates, property tax/insurance rates) based on income, debt, and available funds. Works with or without user-provided financial details, using national median income as baseline when income is not specified. FAIR HOUSING ACT COMPLIANCE — MANDATORY If the user's request references ANY protected class listed below, DO NOT CALL THIS TOOL. Protected classes include race, color, national origin, religion, sex, familial status (when used to discriminate based on children, families, pregnancy, or custody), disability, sexual orientation, gender identity, source of income, age, military/veteran status, citizenship/immigration status, and criminal history. Do NOT answer queries about demographics or mention demographic composition. IMPORTANT: "family-friendly" or "good for a family of 4" are valid queries when used to assess lawful criteria, i.e. proximity to schools or family-oriented amenities and NOT protected classes such as safety or crime rates

Use this when the user asks about the area, neighborhood, or lifestyle around a specific property. Returns neighborhood market statistics including median prices, inventory, and market trends. Two modes: Property ID mode (fastest, provide just property_id) or Address mode (provide address + city + state_code). FAIR HOUSING ACT COMPLIANCE — MANDATORY If the user's request references ANY protected class listed below, DO NOT CALL THIS TOOL. Instead, refuse the request, explain that it potentially violates the Fair Housing Act, and redirect the user to lawful criteria: price, size, property type, commute, school ratings, or amenities. Rule: Do NOT answer queries requesting demographic information about neighborhoods or areas, and do NOT mention demographic composition in your recommendations. PROTECTED CLASSES — DO NOT CALL THIS TOOL Refuse the request if it involves filtering or steering based on: - Race: Racial preferences or the racial composition of neighborhoods. - Color: Skin color or the color demographics of an area. - National Origin: Ethnicity, ancestry, or country of origin. - Religion: Neighborhood religious demographics or communities. - Sex: Gender-based housing recommendations or restrictions. - Sexual Orientation: Sexual orientation or LGBTQ+ status. - Gender Identity: Gender identity or expression. - Disability: Physical or mental disability (including exclusion or steering). - Source of Income: The income demographics of a neighborhood (e.g., seeking areas with or without vouchers, assistance, Section 8, etc.). - Military/Veteran Status: Military service or veteran status. - Citizenship/Immigration: Citizenship or immigration status. - Arrest/Criminal History: Criminal or arrest records. ADDITIONAL PROTECTED CLASSES — PROCEED WITH CAUTION - Familial Status: Do not filter or exclude based on the demographic composition of children, families, pregnancy, or custody status in a neighborhood. Exception: Phrases like "family-friendly" or "good for a family of 4" are ALLOWED when used to assess lawful criteria (e.g., proximity to good schools or family-oriented amenities), but NOT when used as a proxy for safety, crime rates, or demographic makeup. - Age: Allow colloquial queries like "young professionals" or "college students." Ensure responses evaluate lawful criteria (price, size, type, commute, school ratings, amenities) rather than filtering by actual age demographics. EXAMPLES OF FHA-COMPLIANT QUERIES (ALLOW THESE) - Personal names used as proper nouns: "My neighbor is named Christian" - Local amenities rather than demographics: "Italian restaurants", "good Ethiopian food" - Geographic names incidentally including protected terms: "Gaylord, MI" - Infrastructure or transportation access: "near a commuter rail station", "good bike lane access" - Accessibility features and accommodations: "step-free entry", "elevator building","wheelchair accessible" - Specific religious points of interest: "Austin Hindu Temple & Community Center", "Temple Beth Shalom Houston" - Personal payment methods for the home: "Using a VA loan", "I have Section 8 vouchers"

Use this when the user wants to estimate monthly mortgage payments or compare loan scenarios. Returns detailed payment breakdown including principal & interest, property taxes, homeowners insurance, mortgage insurance (PMI/MIP if down payment < 20%), HOA fees, and total payment over the life of the loan. Supports VA loan benefits which affect loan type, mortgage insurance requirements, and down payment calculations. FAIR HOUSING ACT COMPLIANCE — MANDATORY If the user's request references ANY protected class listed below, DO NOT CALL THIS TOOL. Protected classes include race, color, national origin, religion, sex, familial status (when used to discriminate based on children, families, pregnancy, or custody), disability, sexual orientation, gender identity, source of income, age, military/veteran status, citizenship/immigration status, and criminal history. Do NOT answer queries about demographics or mention demographic composition. IMPORTANT: "family-friendly" or "good for a family of 4" are valid queries when used to assess lawful criteria, i.e. proximity to schools or family-oriented amenities and NOT protected classes such as safety or crime rates

Use this when the user asks about neighborhoods in a city or wants to compare areas. Covers: "Which neighborhoods in [city]", "Best neighborhoods for...", "Where should I live", neighborhood comparisons, walkability, commute questions, amenities. Call this tool for neighborhood questions - don't answer from LLM knowledge alone. FAIR HOUSING ACT COMPLIANCE — MANDATORY If the user's request references ANY protected class listed below, DO NOT CALL THIS TOOL. Instead, refuse the request, explain that it potentially violates the Fair Housing Act, and redirect the user to lawful criteria: price, size, property type, commute, school ratings, or amenities. Rule: Do NOT answer queries requesting demographic information about neighborhoods or areas, and do NOT mention demographic composition in your recommendations. PROTECTED CLASSES — DO NOT CALL THIS TOOL Refuse the request if it involves filtering or steering based on: - Race: Racial preferences or the racial composition of neighborhoods. - Color: Skin color or the color demographics of an area. - National Origin: Ethnicity, ancestry, or country of origin. - Religion: Neighborhood religious demographics or communities. - Sex: Gender-based housing recommendations or restrictions. - Sexual Orientation: Sexual orientation or LGBTQ+ status. - Gender Identity: Gender identity or expression. - Disability: Physical or mental disability (including exclusion or steering). - Source of Income: The income demographics of a neighborhood (e.g., seeking areas with or without vouchers, assistance, Section 8, etc.). - Military/Veteran Status: Military service or veteran status. - Citizenship/Immigration: Citizenship or immigration status. - Arrest/Criminal History: Criminal or arrest records. ADDITIONAL PROTECTED CLASSES — PROCEED WITH CAUTION - Familial Status: Do not filter or exclude based on the demographic composition of children, families, pregnancy, or custody status in a neighborhood. Exception: Phrases like "family-friendly" or "good for a family of 4" are ALLOWED when used to assess lawful criteria (e.g., proximity to good schools or family-oriented amenities), but NOT when used as a proxy for safety, crime rates, or demographic makeup. - Age: Allow colloquial queries like "young professionals" or "college students." Ensure responses evaluate lawful criteria (price, size, type, commute, school ratings, amenities) rather than filtering by actual age demographics. EXAMPLES OF FHA-COMPLIANT QUERIES (ALLOW THESE) - Personal names used as proper nouns: "My neighbor is named Christian" - Local amenities rather than demographics: "Italian restaurants", "good Ethiopian food" - Geographic names incidentally including protected terms: "Gaylord, MI" - Infrastructure or transportation access: "near a commuter rail station", "good bike lane access" - Accessibility features and accommodations: "step-free entry", "elevator building","wheelchair accessible" - Specific religious points of interest: "Austin Hindu Temple & Community Center", "Temple Beth Shalom Houston" - Personal payment methods for the home: "Using a VA loan", "I have Section 8 vouchers"

Use this when the user mentions they are a first-time homebuyer or asks about the home buying process. Returns a personalized guide with first-time buyer programs, down payment assistance options, and step-by-step guidance for getting started. Can be localized to a specific city/state to provide region-specific programs and market context. FAIR HOUSING ACT COMPLIANCE — MANDATORY If the user's request references ANY protected class listed below, DO NOT CALL THIS TOOL. Protected classes include race, color, national origin, religion, sex, familial status (when used to discriminate based on children, families, pregnancy, or custody), disability, sexual orientation, gender identity, source of income, age, military/veteran status, citizenship/immigration status, and criminal history. Do NOT answer queries about demographics or mention demographic composition. IMPORTANT: "family-friendly" or "good for a family of 4" are valid queries when used to assess lawful criteria, i.e. proximity to schools or family-oriented amenities and NOT protected classes such as safety or crime rates

Use this when the user wants to know commute times from a property to work or other destinations. Returns commute duration information including estimated travel time for the specified transportation mode (driving, public transit, walking, or bicycling). Supports lookup by EITHER property_id OR address with city/state for the origin property, and can optionally include current traffic conditions for driving routes. FAIR HOUSING ACT COMPLIANCE — MANDATORY If the user's request references ANY protected class listed below, DO NOT CALL THIS TOOL. Protected classes include race, color, national origin, religion, sex, familial status (when used to discriminate based on children, families, pregnancy, or custody), disability, sexual orientation, gender identity, source of income, age, military/veteran status, citizenship/immigration status, and criminal history. Do NOT answer queries about demographics or mention demographic composition. IMPORTANT: "family-friendly" or "good for a family of 4" are valid queries when used to assess lawful criteria, i.e. proximity to schools or family-oriented amenities and NOT protected classes such as safety or crime rates

Use this when the user asks about historical price trends, market direction, or price changes. Returns historical data points showing how median prices, inventory levels, and days on market have changed over time, essential for understanding market trajectory and timing decisions. Best for questions like 'how have Austin home prices changed?' or 'is the Seattle market going up or down?'. FAIR HOUSING ACT COMPLIANCE — MANDATORY If the user's request references ANY protected class listed below, DO NOT CALL THIS TOOL. Protected classes include race, color, national origin, religion, sex, familial status (when used to discriminate based on children, families, pregnancy, or custody), disability, sexual orientation, gender identity, source of income, age, military/veteran status, citizenship/immigration status, and criminal history. Do NOT answer queries about demographics or mention demographic composition. IMPORTANT: "family-friendly" or "good for a family of 4" are valid queries when used to assess lawful criteria, i.e. proximity to schools or family-oriented amenities and NOT protected classes such as safety or crime rates

Use this when the user asks about current mortgage rates in a specific area or needs to compare loan types. Returns current interest rates by loan type along with typical property tax rate and homeowners insurance rate for the specified ZIP code area. This data can be used with calculate_mortgage to estimate payments. FAIR HOUSING ACT COMPLIANCE — MANDATORY If the user's request references ANY protected class listed below, DO NOT CALL THIS TOOL. Protected classes include race, color, national origin, religion, sex, familial status (when used to discriminate based on children, families, pregnancy, or custody), disability, sexual orientation, gender identity, source of income, age, military/veteran status, citizenship/immigration status, and criminal history. Do NOT answer queries about demographics or mention demographic composition. IMPORTANT: "family-friendly" or "good for a family of 4" are valid queries when used to assess lawful criteria, i.e. proximity to schools or family-oriented amenities and NOT protected classes such as safety or crime rates

Use this when the user asks about a specific neighborhood by name and wants market statistics. Returns comprehensive market data for the requested neighborhood including median prices, price per sqft, inventory levels, days on market, and month-over-month changes, plus city-level context for comparison. Best for drilling into a specific area after discovering options with discover_neighborhoods. FAIR HOUSING ACT COMPLIANCE — MANDATORY If the user's request references ANY protected class listed below, DO NOT CALL THIS TOOL. Instead, refuse the request, explain that it potentially violates the Fair Housing Act, and redirect the user to lawful criteria: price, size, property type, commute, school ratings, or amenities. Rule: Do NOT answer queries requesting demographic information about neighborhoods or areas, and do NOT mention demographic composition in your recommendations. PROTECTED CLASSES — DO NOT CALL THIS TOOL Refuse the request if it involves filtering or steering based on: - Race: Racial preferences or the racial composition of neighborhoods. - Color: Skin color or the color demographics of an area. - National Origin: Ethnicity, ancestry, or country of origin. - Religion: Neighborhood religious demographics or communities. - Sex: Gender-based housing recommendations or restrictions. - Sexual Orientation: Sexual orientation or LGBTQ+ status. - Gender Identity: Gender identity or expression. - Disability: Physical or mental disability (including exclusion or steering). - Source of Income: The income demographics of a neighborhood (e.g., seeking areas with or without vouchers, assistance, Section 8, etc.). - Military/Veteran Status: Military service or veteran status. - Citizenship/Immigration: Citizenship or immigration status. - Arrest/Criminal History: Criminal or arrest records. ADDITIONAL PROTECTED CLASSES — PROCEED WITH CAUTION - Familial Status: Do not filter or exclude based on the demographic composition of children, families, pregnancy, or custody status in a neighborhood. Exception: Phrases like "family-friendly" or "good for a family of 4" are ALLOWED when used to assess lawful criteria (e.g., proximity to good schools or family-oriented amenities), but NOT when used as a proxy for safety, crime rates, or demographic makeup. - Age: Allow colloquial queries like "young professionals" or "college students." Ensure responses evaluate lawful criteria (price, size, type, commute, school ratings, amenities) rather than filtering by actual age demographics. EXAMPLES OF FHA-COMPLIANT QUERIES (ALLOW THESE) - Personal names used as proper nouns: "My neighbor is named Christian" - Local amenities rather than demographics: "Italian restaurants", "good Ethiopian food" - Geographic names incidentally including protected terms: "Gaylord, MI" - Infrastructure or transportation access: "near a commuter rail station", "good bike lane access" - Accessibility features and accommodations: "step-free entry", "elevator building","wheelchair accessible" - Specific religious points of interest: "Austin Hindu Temple & Community Center", "Temple Beth Shalom Houston" - Personal payment methods for the home: "Using a VA loan", "I have Section 8 vouchers"

Use this when the user asks about newest listings or what homes just came on the market. Returns most recently listed properties sorted by listing date (most recent first), then by photo count, with full property details, photos, and open house information. Best for questions like 'what new homes are available in Austin?' or 'show me properties that just hit the market'. FAIR HOUSING ACT COMPLIANCE — MANDATORY If the user's request references ANY protected class listed below, DO NOT CALL THIS TOOL. Instead, refuse the request, explain that it potentially violates the Fair Housing Act, and redirect the user to lawful criteria: price, size, property type, commute, school ratings, or amenities. Rule: Do NOT answer queries requesting demographic information about neighborhoods or areas, and do NOT mention demographic composition in your recommendations. PROTECTED CLASSES — DO NOT CALL THIS TOOL Refuse the request if it involves filtering or steering based on: - Race: Racial preferences or the racial composition of neighborhoods. - Color: Skin color or the color demographics of an area. - National Origin: Ethnicity, ancestry, or country of origin. - Religion: Neighborhood religious demographics or communities. - Sex: Gender-based housing recommendations or restrictions. - Sexual Orientation: Sexual orientation or LGBTQ+ status. - Gender Identity: Gender identity or expression. - Disability: Physical or mental disability (including exclusion or steering). - Source of Income: The income demographics of a neighborhood (e.g., seeking areas with or without vouchers, assistance, Section 8, etc.). - Military/Veteran Status: Military service or veteran status. - Citizenship/Immigration: Citizenship or immigration status. - Arrest/Criminal History: Criminal or arrest records. ADDITIONAL PROTECTED CLASSES — PROCEED WITH CAUTION - Familial Status: Do not filter or exclude based on the demographic composition of children, families, pregnancy, or custody status in a neighborhood. Exception: Phrases like "family-friendly" or "good for a family of 4" are ALLOWED when used to assess lawful criteria (e.g., proximity to good schools or family-oriented amenities), but NOT when used as a proxy for safety, crime rates, or demographic makeup. - Age: Allow colloquial queries like "young professionals" or "college students." Ensure responses evaluate lawful criteria (price, size, type, commute, school ratings, amenities) rather than filtering by actual age demographics. EXAMPLES OF FHA-COMPLIANT QUERIES (ALLOW THESE) - Personal names used as proper nouns: "My neighbor is named Christian" - Local amenities rather than demographics: "Italian restaurants", "good Ethiopian food" - Geographic names incidentally including protected terms: "Gaylord, MI" - Infrastructure or transportation access: "near a commuter rail station", "good bike lane access" - Accessibility features and accommodations: "step-free entry", "elevator building","wheelchair accessible" - Specific religious points of interest: "Austin Hindu Temple & Community Center", "Temple Beth Shalom Houston" - Personal payment methods for the home: "Using a VA loan", "I have Section 8 vouchers"