# Verified Mortgage DTI Calc — Smart Mortgage & DTI Tools

> Mortgage and Debt-to-Income ratio calculator for real estate professionals and borrowers. (iPhone/iPad app by James Waldron.)

- Source: https://appshunter.io/ios/app/verified-mortgage-dti-calc/id6753996218 (this page in markdown: same URL + `.md`)
- Developer: [James Waldron](https://appshunter.io/developer/1846192000)
- Category: Finance, Business
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 17+
- Requires: iOS 15.1 · 28 MB
- Languages: English
- Released: 2025-10-16
- Data updated: 2026-06-21
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/verified-mortgage-dti-calc/id6753996218/reviews.md

## What is Verified Mortgage DTI Calc?

The Verified Mortgage and DTI Calculator from Verified Home LLC gives you professional-grade precision in an easy-to-use mobile app.

• Estimate monthly mortgage payments with real-time rate updates
• Quickly calculate front-end and back-end DTI ratios
• View amortization schedules and remaining balances
• Share results with buyers or clients instantly
• Connect directly with a Verified Home loan officer to get pre-approved

Built by mortgage professionals, for Real Estate Professionals and borrowers alike.

## Key features

- Estimate monthly mortgage payments
- Calculate front-end and back-end DTI ratios
- View amortization schedules
- Share results instantly
- Connect with loan officers


## Frequently asked questions about Verified Mortgage DTI Calc

### What is the Verified Mortgage DTI Calc app?

Verified Mortgage DTI Calc is a mobile application designed to help users estimate monthly mortgage payments and calculate Debt-to-Income (DTI) ratios. It's built by mortgage professionals for both real estate professionals and borrowers.

### Is Verified Mortgage DTI Calc free to use?

Yes, Verified Mortgage DTI Calc is available for free on supported devices. There are no in-app purchases or advertisements, offering a clean user experience.

### What devices does Verified Mortgage DTI Calc support?

Verified Mortgage DTI Calc is compatible with iPhone, iPad, and iPod devices. It was last updated on April 12, 2026, with version 1.08.

### How accurate are the mortgage payment estimates?

The app provides professional-grade precision for mortgage payment estimates, including real-time rate updates. This aims to give users reliable figures for financial planning.

### Can I share my calculation results with others?

Yes, the app allows you to instantly share your mortgage payment and DTI ratio results with buyers or clients. This feature facilitates quick communication and decision-making.

### Does Verified Mortgage DTI Calc offer loan pre-approval?

The app allows users to connect directly with a Verified Home loan officer through the application. This connection can help facilitate the pre-approval process for potential borrowers.

### What is the age rating for Verified Mortgage DTI Calc?

Verified Mortgage DTI Calc has an age rating of 17+. This is likely due to the financial and mortgage-related nature of the calculations and information provided.

### How often is Verified Mortgage DTI Calc updated?

The latest version of Verified Mortgage DTI Calc is 1.08, which was released on April 12, 2026. While specific update frequency isn't detailed, this indicates ongoing development and maintenance.

## Version history (last 5 releases)

### 2.0.2 — 2026-06-17

Updated Rates to include Estimated APR.
Provided Updated Links to New Application Pages
Styling and UI enhancments

### 1.08 — 2026-04-12

Precision DTI "Traffic Lights": Spot tight ratios at a glance with our new color-coded Debt-to-Income logic: Green (Safe), Amber (Caution), and Red (High Ratio).

Real-Time LTV & PMI Alerts: Track Loan-to-Value in real-time. The app now automatically alerts you when the LTV exceeds 80% and PMI may be required.

Live Market Benchmarks: Our "Refresh Market Rate" tool now pulls the latest daily benchmarks directly from Mortgage News Daily.

The "Need More Info" Hub: A high-visibility floating action button ensures the Verified Home LLC team is always just one tap away for questions or pre-approvals.

Polished Input Logic: Refined calculator interface to prevent leading-zero issues and ensure a cleaner, faster typing experience.

Rich Contact Sharing: When sharing loan officer info, the app now generates a professionally formatted introduction and full contact block.

Restored Visual Breakdown: Monthly payment cards now feature full icons and shaded rows for a more intuitive, premium feel.

### 1.07 — 2026-03-18

New Features & Enhancements:
Real-Time LTV Tracking: When using the "Dollar Amount" down payment mode, the app now automatically calculates and displays the Loan-to-Value (LTV) ratio.
Smart "Traffic Light" Logic: The LTV display now features dynamic color coding: 
Green: LTV 80%
Amber: LTV > 80% (indicates PMI may be required)
Red: LTV > 100%PMI 

Advisories: Added a dynamic disclaimer that appears automatically when the LTV exceeds 80%, notifying users that Private Mortgage Insurance (PMI) may be required for the scenario.
Enhanced Precision: Improved decimal handling for all calculations to ensure 100% accuracy in monthly payment and ratio displays.

Compliance & Branding:
Updated Disclosures: Added NMLS #2693996 to the footer to ensure full regulatory transparency.
Contact Sharing: Refined the "Share Loan Officer" feature to include both Mobile and Office numbers for faster communication with a Verified advisor.

### 1.06 — 2025-12-07

DTI Improvements: New color-coded indicators (Green/Amber/Red) for front-end and back-end ratios.

Easy Sharing: Quickly share Loan Officer contact information with buyers via the new share button.

### 1.05 — 2025-12-05

Minor UI improvements: Cleaner input fields (removed default zeros) and improved layout.
Added "Reset" button to calculator.
Updated footer with NMLS #2693996.
Added validation for down payment percentages.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-21.*