Make defensible program decisions
Decisions you can defend, backed by current data
Eligibility and affordability are where housing programs are held accountable. HomesMatrix documents each decision using current federal data, defined roles, and a traceable approval process — so a determination made today is still explainable, with its evidence, years from now.
Eligibility & affordability
Qualify and counsel families with real numbers
Answer “what can this family afford, and what does the market cost?” without leaving the case.
HUD income-limit check
Check a household against current HUD income limits, looked up live for the property’s area — and recorded with the program year it used.
Affordability calculator
Model an affordable payment and the maximum affordable mortgage before a household ever reaches underwriting.
Local housing-market context
See Fair Market Rents by bedroom and Census home-value context for the ZIP, so affordability is judged against the local market.
Assessment & validation
Evidence in, an independent check, a stamped result
Staff capture the household or property evidence; an independent reviewer validates it against the program’s versioned ruleset. The determination is stamped with who decided, when, and the exact ruleset version — and anything that doesn’t cleanly pass routes to an exception queue for review.
- Versioned rulesetsPolicy changes are new ruleset versions; past decisions keep the version they were made under.
- Evidence carried forwardThe evidence behind a determination stays attached to the case.
- Exceptions, not overridesConditional cases route to a documented exception queue rather than a silent override.
Approvals & separation of duties
The right people, in the right order
Route selections and exceptions to the committee that owns them, and keep consequential decisions out of any one person’s hands.
Committee approvals
Homeowner selection, job selection, and family-services decisions route to the committee with the authority for that gate — recorded, not informal.
Separation of duties
Configurable per action: the person who assesses a case can’t validate it, and the person who prepares a resale calculation can’t approve it — with any exception recorded as a reasoned, visible waiver.
Authoritative data sources
Current federal data, inside the decision
The numbers behind eligibility and market context come from authoritative public sources, looked up for the relevant area — not a static file that quietly goes out of date.
U.S. Department of Housing & Urban Development
Income limits and Fair Market Rents, looked up live for the applicable area and program year.
U.S. Census Bureau
Local home-value context from the American Community Survey, by ZIP Code Tabulation Area.
See it on your eligibility policy
A short, tailored walkthrough — your income limits, your approval steps.