Homebot vs Mortgage Math

Introducing the Homebot mobile app – your ultimate homeownership companion, on the go! Whether you're a new homeowner, looking to purchase your dream home, or an existing homeowner seeking financial guidance, Homebot is here to empower you on your homeownership journey as you work with your trusted home advisors. Our app provides a range of features and benefits designed to help you make informed decisions and maximize the potential of your biggest asset, with exclusive features unique to mobile. ***Unlock Your Home's Potential*** Track your home value, monitor equity growth, and access valuable financial insights provided by your dedicated home advisor. With Homebot, you can make informed decisions about refinancing, identify best practices, and explore financial tips tailored to your unique situation. ***Maximize Your Purchasing Power*** Are you in the market for a new or second home? Homebot calculates your purchasing power, showing you exactly how much you qualify for. Discover the aspects of your finances to improve, such as savings, credit, or debt, and work hand in hand with your home advisor to achieve your home-buying goals. Track your progress over time and witness your purchasing power grow. ***Find Your Perfect Home*** Homebot's comprehensive listings make it easy to search for homes in your desired areas. Get detailed information, explore photos, and dive into recommended options within your budget. If a particular home is out of reach, Homebot provides insights on when you will be able to afford it based on your savings, credit, or debt improvements. ***Take Control of Your Finances*** Stay one step ahead with Homebot's financial insights. Refinance opportunities, expert tips, and best practices are at your fingertips, helping you optimize your homeownership experience. Take control of your finances and make well-informed decisions to enhance your financial well-being. ***Track Your Progress, Achieve Your Goals*** Monitor your purchasing power over time and collaborate with your trusted home advisor to improve it. Homebot keeps you motivated, providing updates and guidance as you work towards your homeownership goals. With Homebot, achieving success in your homeownership journey has never been easier. Download Homebot today and experience the power of a partnership between your trusted home advisor and a cutting-edge mobile app. Empower yourself with valuable insights, financial recommendations, and personalized guidance. Take charge of your homeownership journey and unlock the full potential of your home with Homebot!

Mortgage Math is a no-nonsense mortgage toolkit that shows you the numbers lenders actually look at — free to use, with no accounts, no ads, and nothing leaving your phone. MONTHLY PAYMENT CALCULATOR • Principal & interest, property tax, insurance, and PMI in one clear breakdown • Interactive chart and full amortization schedule • Save and compare scenarios side by side HOW MUCH CAN YOU AFFORD? • Uses the same ratios underwriters use: housing ratio and total debt-to-income • Conventional, FHA, VA, and USDA guideline limits with clear PASS / STRETCH verdicts • Loan-to-value, mortgage insurance, estimated cash to close, and reserves • Credit-score band guidance and conforming loan limit checks LISTING ANALYZER • Paste a listing link or just type an address • The app finds the property's details from open public sources and verifies the address with the US Census geocoder • Real state-level tax and insurance figures from public data • When a listing can't be retrieved, you enter the price yourself — the app never invents numbers REFINANCE ANALYSIS • Monthly savings, break-even month, and lifetime interest comparison FIND LICENSED LENDERS • Browse banks, mortgage lenders, brokers, and credit unions by state or ZIP • Filter results by institution type • Complete Directory mode lists every institution that reported mortgage activity in your state, from CFPB public records • License lookup links for every entry MORTGAGE MATH PRO (OPTIONAL ONE-TIME UNLOCK) Everything above is free. A single $4.99 purchase — no subscription — unlocks the full Lender Check report: every underwriting ratio with PASS / STRETCH verdicts, the complete PITI breakdown, estimated cash to close, and reserves. If the app saves you time, there is also an optional tip jar in Settings. Tips are voluntary and unlock nothing. PRIVATE BY DESIGN Everything you enter stays on your device. No sign-up, no tracking, no data collection — see our one-page privacy policy. Mortgage Math provides educational estimates based on published guidelines and public data. It is not a lender and does not issue loan offers or approvals.