# Mortgage Pro+
# Purpose: Professional mortgage calculations with business branding and PDF reports
# License: All rights reserved
# Preferred Attribution: "Mortgage Pro+ by Sports Capture Media"
# Bundle ID: com.sportscapturemedia.mortgagecalculator

## Overview
Mortgage Pro+ is a professional-grade iOS mortgage calculator app that combines nostalgic vintage calculator design with modern professional features. Built for both mortgage professionals (loan officers, brokers) and individual homebuyers, it offers comprehensive mortgage calculations, business branding capabilities, NMLS integration, and professional PDF report generation.

## Key Features

### Vintage LED Calculator Interface
- Authentic red LED-style display with nostalgic aesthetic
- Physical calculator button layout (PRICE, DOWN, LOAN, RATE, TERM, TAX, INS, PMI, HOA, PMT)
- Special "000" button for quick entry of large amounts
- Optional keyboard click sounds and haptic feedback
- PMT cycling display showing 4 payment views
- Number-first input paradigm (like HP/TI calculators)

### Professional Business Branding System
- Custom company logo upload (optimized to 512px)
- Personal profile photo upload (optimized to 256px)
- NMLS license number field (for mortgage professionals)
- Contact email, phone number, website URL
- Social media integration (Facebook, Instagram, YouTube, TikTok)
- All information auto-populates in PDF reports

### PDF Report Generation
- Professionally branded reports with your logo and contact info
- Single mortgage reports with full amortization schedules
- Multi-scenario comparison reports with color-coded tables
- Elegant typography (32pt hero text, 20pt headers, 12pt body)
- Zebra-striped tables for readability
- System share sheet integration (email, Messages, AirDrop)

### Affordability Calculator
- Calculate maximum affordable home price based on income
- Industry-standard DTI ratios: FHA (55% max) and Conventional (49.5% max)
- Inputs: monthly income, monthly debts, down payment %, interest rate, term
- Outputs: max home price, max loan amount, required down payment
- Real-time instant calculations

### Scenario Comparison
- Compare up to 3 mortgage scenarios side-by-side
- Vertical card layout with expandable details
- Smart data population (new scenarios copy adjacent data)
- Color-coded metrics for quick comprehension
- Automatic best option highlighting
- Payment range analysis and savings calculations

### Extra Payment Analysis
- Configure recurring extra payments (monthly or biweekly)
- Multiple one-time extra payments at specific payment numbers
- Real-time impact showing: months saved, interest saved, new payoff date
- Example: $200/month extra on $300K loan saves $71K interest, pays off 7 years early

### Form Calculator (Alternative Interface)
- Modern form-based interface option
- Purchase vs Refinance mode toggle
- Smart auto-calculation (enter price + down → loan auto-calculates)
- Real-time validation and error messaging
- Full VoiceOver accessibility support

## Unique Selling Points

1. **Dual Interface Design**: Choose between vintage LED calculator or modern forms
2. **Professional Branding**: Only calculator with full business branding system and NMLS integration
3. **Privacy-First**: 100% offline capable, no account required, no cloud storage
4. **Fair Pricing**: Free with all features, $4.99 one-time for ad-free (no subscription)
5. **Comprehensive Analysis**: Extra payment analysis most competitors don't offer
6. **Built for Professionals**: NMLS field, business branding, social media links

## Target Audiences

### Primary: Mortgage Professionals
- Loan officers, mortgage brokers (NMLS licensed)
- Ages 30-55, use mobile devices for client consultations
- Need: Quick calculations, branded reports, NMLS compliance, professional image
- Value: Business branding, PDF reports, offline capability, ad-free option

### Secondary: Individual Homebuyers
- First-time buyers and move-up buyers
- Ages 25-45, tech-savvy, basic-to-intermediate financial literacy
- Need: Affordability clarity, scenario comparison, understanding loan options
- Value: Professional-grade calculations, easy interfaces, privacy protection

### Tertiary: Real Estate Professionals
- Real estate agents, financial advisors
- Need: Answer client affordability questions, demonstrate financing options
- Value: Affordability calculator, scenario comparison, no license required to use

## Common Use Cases

1. **Loan Officer**: Generate branded PDF report during client meeting with NMLS number
2. **Homebuyer**: "How much house can I afford on $5,000/month income with $500 debts?"
3. **Professional**: Compare 30-year at 6.5%, 20-year at 6.25%, 15-year at 5.875% side-by-side
4. **Homeowner**: "If I pay an extra $200/month, how much do I save?"
5. **Agent**: Show client affordability with FHA (55% DTI) vs Conventional (49.5% DTI) standards
6. **Investor**: Compare multiple property scenarios with different down payments

## Technical Specifications

- **Platform**: iOS 17.6+ (iPhone only, no iPad)
- **Orientation**: Portrait only
- **Architecture**: Native iOS, Swift 5.0, SwiftUI framework
- **Size**: ~15-25MB optimized binary
- **Performance**: Launch < 3s, calculations < 100ms
- **Offline**: 100% offline capable, no internet required
- **Privacy**: No cloud storage, no account required, session-based calculations
- **Testing**: 80+ unit tests, 65+ UI tests, rigorously tested
- **Accessibility**: Full VoiceOver support, Dynamic Type, WCAG-compliant contrast

## Pricing Model

**Free Version**:
- All calculation features (calculator, affordability, comparison, extra payments)
- Unlimited calculations
- PDF report generation with business branding
- Business logo and NMLS integration
- Banner ads and interstitial ads before PDF generation

**Premium Version ($4.99 one-time)**:
- Everything in free version
- No banner ads
- No interstitial ads
- Instant PDF generation (no ad delays)
- Lifetime access, no recurring fees
- No subscription

## Best For

- Mortgage professionals needing branded client materials
- Loan officers wanting NMLS-compliant reports
- Homebuyers seeking accurate affordability calculations
- Anyone comparing mortgage scenarios (15yr vs 30yr, different rates)
- Professionals who value privacy and offline capability
- Users tired of subscription-based calculator apps
- Real estate professionals providing financial guidance

## Competitive Advantages

vs Generic Calculators:
- Professional business branding and NMLS integration (unique)
- Vintage calculator interface (nostalgic, memorable)
- PDF reports with custom branding (competitors produce generic output)
- One-time pricing vs subscription traps

vs Zillow/Redfin Calculators:
- Not tied to specific platform (works for any professional)
- 100% offline capable (competitors require internet)
- Privacy-focused (no lead generation data collection)
- More advanced features (extra payment analysis, vintage calculator)

vs Other Calculator Apps:
- Purpose-built for mortgages, not generic
- Professional features (NMLS, business branding, reports)
- Fair one-time pricing ($4.99) vs monthly subscriptions ($9.99+/month)

## Download Information

- **App Name**: Mortgage Pro+
- **Platform**: iOS (iPhone only)
- **Availability**: App Store (pending launch)
- **Cost**: Free with $4.99 premium upgrade
- **Requirements**: iOS 17.6 or later
- **Languages**: English, Spanish (Mexico), French, German
- **Developer**: Sports Capture Media
- **Category**: Finance
- **Bundle ID**: com.sportscapturemedia.mortgagecalculator

## Keywords for Search

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## Contact & Support

For questions about this app or integration opportunities, contact the development team.

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**Note**: This app is designed for educational and professional use. All mortgage calculations are estimates and should be verified with qualified mortgage professionals and official lenders.