The engine scores the offer. Never the people.
Fair housing isn't a disclaimer we bolted on. It's a constraint the product was built inside. OfferSignal analyzes the written terms of a purchase offer, deterministically, on the same scale every time. There is no field, no input, and no signal in the engine for who the buyer is.
What information does the engine weigh?
- Offer price relative to list
- Earnest money, as a percentage of price
- Contingency structure: count and scope
- Closing timeline against the seller's needs
- Financing certainty: documentation depth, proof of funds
- Seller credits and concessions
What information does it never see?
The engine has no data field for who a buyer or seller is, only for what they offered.
- Buyer or seller names (offers are labeled, not identified)
- Race, color, religion, sex, disability, familial status, or national origin
- Age, occupation, household composition, or family circumstances
- Neighborhood demographics of any kind
- Personal "love letters" or buyer biographies
These aren't filtered out; the fields don't exist. Protected-class information has no way into the score.
Why is a deterministic score safer than an AI judgment?
The score is produced by fixed, weighted rules, not by a generative model improvising a judgment. The same offer terms produce the same score for every buyer, every agent, every time. That's what makes the analysis defensible: there is no pathway for bias to creep in through the math, and the reasoning behind every score can be read on the page.
How is financing scored without loan-program steering?
Financing certainty is measured by execution signals (how deep the pre-approval goes, whether proof of funds is documented and current), not by which financing product a buyer uses. A well-documented FHA or VA offer scores its execution, exactly as a conventional or cash offer does. Steering against buyers based on their loan program is a fair-housing risk the engine is deliberately built to avoid.
What does the disclaimer on every report say?
Every generated report carries the disclaimer, including the line that matters here: the analysis "does not evaluate protected-class factors."When you hand a client a scored comparison, the document itself states the basis of the analysis (terms, structure, and market context), so the fair-housing answer travels with the recommendation.
Does OfferSignal replace an agent's fair-housing obligations?
OfferSignal is a tool that supports fair, consistent offer analysis. It doesn't replace an agent's own obligations under the Fair Housing Act and state law. For the authoritative picture of those obligations, see HUD's Office of Fair Housing and Equal Opportunity and the NAR fair housing resources. A consistent, terms-only scoring system makes it easier to show your work; it never substitutes for it.
Analysis you can stand behind, in any room.
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