Mortgage Analyzer AI vs Mortgage Math

Mortgage Analyzer AI is a complete mortgage calculator with an AI advisor that works with Apple Intelligence and runs entirely on your device. Describe your loan the way you would say it out loud: "$525K home, 10% down, 6.25% for 30 years." The calculator fills itself in. Then ask whatever you want to know. THE AI ADVISOR - Describe a loan in plain words and watch the fields populate. - Ask real questions: "Do I pay PMI?", "How much of my payment is taxes?", "When is it paid off?", "How much do I still owe?" - Ask "what happens if the rate drops to 6%?" and get the comparison without changing your loan. Keep it with one tap if you want it. - When an amount could mean two different things, it asks instead of guessing. Every figure the advisor quotes - payments, balances, interest, mortgage insurance, LTV, DTI - is calculated by the app itself, not invented by the AI. No account. No API key. No subscription. It works offline. A REAL MORTGAGE CALCULATOR - Conventional, FHA, VA and USDA loans - Fixed rate and ARM, with rate caps, fixed periods, floors and projected maximum payment - PMI, FHA MIP, VA funding fee and USDA fees, with override rates - Property tax, homeowners insurance, HOA dues and other monthly costs - Your true monthly payment, not just principal and interest - Cash to close: down payment, closing costs, discount points, seller credits and loan fees - Extra payments - monthly, annual, or a schedule that changes over time - and what they save you - Full amortization schedule, payment by payment - Charts for balance, interest, principal and payoff timing - Front-end and back-end debt-to-income with clear guidance - Already in a loan? Tell it when yours started and see what you have paid and what you still owe - US and Canadian interest conventions - Save a scenario to a file and reload it any time - a different house, a new rate, another payoff plan PRIVATE BY DESIGN Your loan details and your conversations stay on your device. There is no account, no server, and nothing is uploaded. The conversation lives in memory while the app is open and is cleared when you close it. The app is free and supported by ads. REQUIREMENTS The app needs iOS 26 or later. The AI Advisor additionally needs a device that supports Apple Intelligence - iPhone 15 Pro, iPhone 15 Pro Max, iPhone Air, iPhone 16 or later, iPad mini (A17 Pro), or an iPad with M1 or later - with Apple Intelligence turned on in Settings. On any other supported device every other feature works normally. Mortgage Analyzer AI provides general information and estimates, not financial advice. Always confirm important decisions with a qualified mortgage professional.

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.