# Twellie

> AI-powered property valuation and home-buying toolkit for the United States.
> One $50 report replaces a real-estate agent: comparable sales analysis,
> photo-based condition scoring, true cost of ownership, negotiation
> strategy, and a closing-day workspace. Covers all 155M+ US residential
> properties across 50 states + DC.

Twellie runs a four-model AI valuation ensemble against ~7% median absolute
error, USPAP-informed with the cost / sales-comparison / income approaches
every appraisal uses. (Hybrid AVM, not a USPAP-compliant licensed
appraisal.) The Investor plan adds AI virtual staging and walkable 3D
tours from a 90-second phone capture.

## Core pages

- [Home — what Twellie is](https://twellie.com/): AI home valuation and property analysis for any US address.
- [Pricing](https://twellie.com/pricing): $50 per property (single report) or $199/month Investor (6 reports/month).
- [Sample property report](https://twellie.com/mockup/report): Browse a complete report — 8 comps, photo grades, risk profile, offer strategy.
- [Closing-day workspace](https://twellie.com/mockup/closing): Wire-fraud check, closing-disclosure verifier, state-specific timeline.
- [AI virtual staging demo](https://twellie.com/mockup/room-staging): Per-room style picker generates restaged photos.
- [3D walkthrough demo](https://twellie.com/mockup/3d-walkthrough): Walkable Gaussian-splat home tour from a phone capture.
- [Buyer guides index](https://twellie.com/guides): All long-form buyer-education content.

## Methodology and accuracy

- [Valuation methodology](https://twellie.com/methodology): Four-model ensemble, USPAP approaches, accuracy benchmark vs Zestimate / Redfin / Quantarium / HouseCanary, capability scorecard.

## Buyer tools and agent replacement

- [Buyer toolkit](https://twellie.com/tools): Closing-cost calculator, mortgage affordability, comp finder, AI inspection-response generator, seller's net sheet.
- [Skip the agent](https://twellie.com/skip-the-agent): Tools and playbook for unrepresented US buyers — how to buy a house without a realtor in 2026.

## Buyer guides (long-form education)

- [AVM vs Appraisal vs Zestimate: Which Home Value Should You Trust in 2026?](https://twellie.com/guides/avm-vs-appraisal-vs-zestimate): AVMs, appraisals, and Zestimate all give you a number for the same home — and the numbers disagree. Here's what each method actually measures, where it's accurate, and which to trust before making an offer.
- [How to Read a Home Valuation Report (Buyer's Guide, 2026)](https://twellie.com/guides/how-to-read-a-home-valuation-report): A home valuation report is dense — comps, adjustments, confidence bands, photo grades, cost-of-ownership. Here's how to read each section, what to verify, and how to turn the report into an offer.
- [How to Buy a House Without a Realtor in 2026: The 12-Step Playbook](https://twellie.com/guides/buy-a-house-without-a-realtor-2026-playbook): After the 2024 NAR settlement, US buyers can go unrepresented and pocket the buyer-agent commission. Here's the 12-step playbook with real numbers, real tools, and the traps to avoid.
- [Comp Adjustment Factors Explained: How AVMs Adjust Sale Prices in 2026](https://twellie.com/guides/comp-adjustment-factors-explained): Every comparable sale in a valuation report has line-item adjustments — for square footage, bedrooms, condition, lot size, age, and 5 more. Here are all 10 factors, with real-world dollar examples.

## Comparisons

- [Real Estate Agent vs Twellie: $25,000 Decision in 2026](https://twellie.com/compare/realtor-vs-twellie): A buyer's agent costs ~$25,270 in commission on the average US home. Twellie costs $50 and replaces the analysis + coordination. When does each win? Honest comparison post-NAR-settlement.
- [Redfin Estimate vs Twellie: 2026 Comparison](https://twellie.com/compare/redfin-estimate-vs-twellie): Redfin Estimate is free, US-only, and slightly more accurate than Zestimate on off-market homes. Twellie costs $50 but adds photo grading and a full negotiation toolkit. Honest side-by-side.
- [Zestimate vs Twellie: 2026 Comparison for Home Buyers](https://twellie.com/compare/zestimate-vs-twellie): Zestimate is free and Zillow has been doing this for 20 years. Twellie costs $50 per address but ships a full report — comps, photo grades, true cost, negotiation. When does each win? Honest comparison.

## State-specific closing costs

- [Closing costs in California](https://twellie.com/closing-costs/california): 2.0–3.0% of price; attorney not required.
- [Closing costs in Florida](https://twellie.com/closing-costs/florida): 2.5–3.5% of price; attorney not required.
- [Closing costs in Illinois](https://twellie.com/closing-costs/illinois): 2.5–4.0% of price; attorney required.
- [Closing costs in New York](https://twellie.com/closing-costs/new-york): 3.0–6.0% of price; attorney required.
- [Closing costs in Texas](https://twellie.com/closing-costs/texas): 2.0–3.0% of price; attorney not required.

## Trust and policy

- [Privacy Policy](https://twellie.com/privacy)
- [Terms of Service](https://twellie.com/terms)
- [AI Output Disclaimer](https://twellie.com/disclaimer)
- [Refund Policy](https://twellie.com/refund-policy)
- [Security Overview](https://twellie.com/security)
- [Acceptable Use Policy](https://twellie.com/aup)
- [Sub-processors](https://twellie.com/sub-processors)

## Optional

- [Sitemap](https://twellie.com/sitemap.xml)
- [Full content for LLM ingestion](https://twellie.com/llms-full.txt)