Volatility Drill
Rate Shock Simulator
Rates can shift quickly. In this five-round simulation, test lock, float, credit, and wait decisions under moving rate pressure.
5 rounds Random rate shifts Stress score tracking
Survive 5 Rounds of Rate Volatility
Round 1 / 5
Scenario progress0 completed • 5 left
Current Rate
6.500%
Estimated Payment
$2,326/mo
Stress Score
0
Lock Status
Not locked
$460,000
Set a realistic price before starting. Higher price magnifies payment swings.
Action guide
Lock: Freeze current rate for stability.
Float: Keep exposure to market moves.
Ask Credits: Offset payment via concessions.
Wait: Delay and risk additional drift.
Click Start Rate Shock Simulator to enable Lock, Float, Ask Credits, and Wait.
How to play
- 1. Set your home price.
- 2. Choose one action each round.
- 3. Finish all 5 rounds and compare volatility.
What matters most
- Payment Sensitivity Score (lower is better).
- Stress score accumulation over rounds.
- Choice pattern that produced best outcome.