OpenAccess
ProcessGuidesTools

Clarity. Choice. Control.

The Consumer. You Decide.

Framework

Foundation of the Standard

  • Consumer Bill of Rights
  • Open Access Manifesto
  • Governance Charter
  • National Oversight Framework

Consumer Protection

What protects the public

  • Compensation Transparency
  • Referral Disclosure
  • Service Scope
  • Conflict of Interest

Advisor Standards

Who earns the right to operate

  • Advisor Affirmation
  • Transparency Score
  • Verified Levels

Governance & Access

How the system stays accountable

  • National Standards Council
  • Public Records
  • Standards Updates
  • Report a Concern
Open Access.RealEstate

Open Access provides educational information and transparency resources for public interest purposes. Open Access is not a real estate brokerage and does not provide professional advice. No agency or fiduciary relationship is created. Consumers independently select with licensed professionals.

For full disclosures, see our Terms of Use and Legal & Disclosures.

Tools & Assets

The tactical instruments you need to execute your strategy.

Essential Core Tools

Essential

Agent Transparency Check

Verify if an agent adheres to the OpenAccess transparency standard before your first meeting.

Launch Tool
Essential

Net Sheet Simulator

Calculate exact take-home pay after commissions and fees.

Launch Tool
Essential

Mortgage Calculator

Estimate monthly payments including principal, interest, taxes, and insurance.

Launch Tool

Additional Resources

Interactive

Rent vs. Buy Modeler

Compare rent vs buy with break-even horizon, equity projections, and scenario analysis.

Access Asset
Checklist

Agent Vetting Checklist

The exact questions to ask when interviewing your buyer's agent.

Access Asset
Interactive Tool

Offer Comparison Sheet

Evaluate multiple offers beyond just the headline price.

Access Asset
Interactive Tool

Affordability Calculator

Estimate how much home you can afford based on income, debts, and target DTI.

Access Asset
Interactive Tool

DTI Calculator

Calculate your debt-to-income ratio and compare to typical lender guidelines.

Access Asset
Interactive Tool

Down Payment Options Calculator

Compare 3%, 5%, 10%, 20% down payments and their impact on PMI and monthly payment.

Access Asset
Interactive Tool

Mortgage Term Comparison

Compare 15 vs 20 vs 30-year loans: payment, interest, and break-even analysis.

Access Asset
Interactive Tool

Extra Payment Calculator

See how 1 extra payment/year or fixed monthly extra affects payoff and interest saved.

Access Asset