Question 1

What is Mortgage Pro+?

Accepted Answer

Mortgage Pro+ is a professional mortgage calculator for iOS that combines nostalgic vintage calculator design with modern professional features. It includes business branding capabilities, NMLS integration, PDF report generation, affordability calculator, scenario comparison, and extra payment analysis. Built for both mortgage professionals (loan officers, brokers) and homebuyers who need accurate calculations and professional-grade tools.

Question 2

How is this different from other mortgage calculators?

Accepted Answer

Mortgage Pro+ is the only mortgage calculator with NMLS integration, full business branding system (upload your logo and license number), and vintage LED calculator interface. Unlike competitors with subscription pricing ($9.99/month), we offer one-time pricing ($4.99 for ad-free). We're also 100% offline capable with privacy-first architecture - no account required, no cloud storage, no data collection.

Question 3

What is the vintage calculator interface?

Accepted Answer

The vintage calculator features a nostalgic red LED-style display with authentic physical button layout, just like classic HP and TI calculators. It includes buttons for PRICE, DOWN, LOAN, RATE, TERM, TAX, INS, PMI, HOA, and PMT, plus a special "000" button for quick entry of large amounts. Optional keyboard click sounds and haptic feedback complete the nostalgic experience. It's a memorable, engaging alternative to boring form-based calculators.

Question 4

Do I need to be a mortgage professional to use this?

Accepted Answer

No! Mortgage Pro+ is built for both mortgage professionals (loan officers, brokers with NMLS licenses) and individual homebuyers. Professionals get NMLS integration and business branding for client reports. Homebuyers get professional-grade affordability calculations, scenario comparisons, and privacy protection. The business branding features are optional - you can skip them and start calculating immediately.

Question 5

What is NMLS and why does it matter?

Accepted Answer

NMLS stands for Nationwide Multistate Licensing System - it's the licensing system for mortgage professionals. Every licensed loan officer and broker has an NMLS number that must appear on all loan documents and client materials. Mortgage Pro+ lets you add your NMLS number to your profile, and it automatically appears on every PDF report you generate, ensuring compliance and professionalism.

Question 6

How does the affordability calculator work?

Accepted Answer

The affordability calculator uses industry-standard DTI (Debt-to-Income) ratios to determine maximum home price you can afford. It applies FHA standards (55% max DTI) and Conventional standards (49.5% max DTI). You enter your monthly income, monthly debts, down payment percentage, interest rate, and loan term. It instantly shows maximum affordable home price, maximum loan amount, and required down payment amount.

Question 7

Can I compare different mortgage scenarios?

Accepted Answer

Yes! Compare up to 3 mortgage scenarios side-by-side with our vertical card layout. See monthly payment, total interest, total cost, and other key metrics for each scenario. The app automatically highlights the best option and shows payment range analysis. Smart data population means new scenarios copy data from adjacent scenarios for faster entry. Perfect for comparing 30-year vs 15-year vs ARM loans, or different down payment amounts.

Question 8

How much can I save with extra payments?

Accepted Answer

Huge amounts! The extra payment analysis shows real-time impact of additional payments. For example: a $300,000 loan at 6% interest over 30 years normally costs $647,515 total. Add just $200/month extra and you save $71,000 in interest and pay off the loan 7 years early. You can configure recurring extra payments (monthly or biweekly) and multiple one-time payments at specific payment numbers to see exactly how months saved, interest saved, and new payoff date change.

Question 9

How do PDF reports work?

Accepted Answer

Generate professionally branded PDF reports with your company logo, NMLS number, contact information, and social media links. Create single mortgage reports with full amortization schedules or multi-scenario comparison reports with color-coded tables. Reports feature elegant typography (32pt hero text, 20pt headers, 12pt body) and zebra-striped tables for readability. Share via the system share sheet - email, Messages, AirDrop, or any other app. All your branding information auto-populates from your profile settings.

Question 10

Is my financial data private?

Accepted Answer

100% private. Mortgage Pro+ uses a privacy-first architecture with no account required, no cloud storage, and no data collection. All calculations happen on your iPhone - nothing is sent to external servers. The app works perfectly offline with no internet connection. Your client data and business information stay with you, never shared or stored remotely. This is RESPA-compliant privacy protection your clients expect.

Question 11

What's included in the free version?

Accepted Answer

The free version includes ALL calculation features: vintage LED calculator, form calculator, affordability calculator, scenario comparison (3 scenarios), extra payment analysis, business branding with NMLS integration, and PDF report generation. You get 100% of the functionality. The only difference is that the free version shows banner ads and interstitial ads before PDF generation.

Question 12

What's the difference between free and premium?

Accepted Answer

The ONLY difference is ads. Premium ($4.99 one-time purchase) removes all banner ads and interstitial ads, giving you instant PDF generation without delays. Free version has all the same features, branding capabilities, and calculation tools - it just shows ads. No features are locked behind premium. Upgrade anytime and keep all your data.

Question 13

Does it work offline?

Accepted Answer

Yes! Mortgage Pro+ is 100% offline capable. After downloading from the App Store, no internet connection is required. Calculate mortgages, compare scenarios, analyze extra payments, and generate PDF reports anywhere, anytime - even in areas with no cell service. Your business logo and profile information are stored locally on your device.

Question 14

What iOS version do I need?

Accepted Answer

Mortgage Pro+ requires iOS 17.6 or later. It's designed for iPhone only (no iPad support) and runs in portrait orientation. The app is optimized for modern iPhones with performance under 3 seconds launch time and calculations completing in under 100ms. Total app size is approximately 15-25MB.

Question 15

Is there a subscription?

Accepted Answer

NO! Absolutely no subscription. The premium version is $4.99 as a one-time purchase for lifetime ad removal. No monthly fees, no recurring charges, no hidden costs. This is a deliberate choice - we believe in fair, transparent pricing. Unlike competitors charging $9.99/month ($120/year), you pay once and own it forever. Try the free version first, upgrade when ready.

Professional Mortgage Calculations. Branded Reports. One Powerful App.

Everything You Need in One Powerful App

Vintage LED Calculator Interface

Professional PDF Reports

Business Branding System

Affordability Calculator

Scenario Comparison

Extra Payment Analysis

Privacy-First Architecture

Fair One-Time Pricing

How It Works

Download & Customize

Calculate & Compare

Generate & Share

Just $4.99 One-Time for Premium

Free

Premium

Frequently Asked Questions

Start Calculating Like a Pro

Mortgage Analysis Report