MortgageCompare

By MortgageCompare

Overview

Compare two to four U.S. fixed-rate mortgage offers for the same loan amount using confirmed Loan Estimate figures. See payments, discount points, closing fees, lender credits, prepaid interest and mortgage insurance alongside financing cost over the time you expect to keep the loan. Change the holding period, inspect cost crossovers, principal repaid and remaining balances, and export your comparison. ChatGPT can help read Loan Estimates attached to your conversation; MortgageCompare receives structured financial figures, not the original documents. No live rate shopping, lender referrals, applications or approval decisions. The model supports fully amortizing loans, cash-paid fees and an explicit constant mortgage-insurance amount/duration. Confirm figures with your lenders.

Tools

compare_mortgages

ChatGPT

Calculate payments, holding-period financing cost (interest, fees, prepaid interest and MI), principal repaid, remaining balances and every pairwise cost crossing for 2–4 confirmed fixed-rate offers. Equal loan amounts; cash-paid fees only. Percent rates use 6.5 for 6.5%. Use this for computation without opening a new UI.

export_comparison

ChatGPT

Generate a printable HTML report, a spreadsheet CSV summary, or editable JSON inputs from the same validated comparison. HTML can be printed to PDF. Returns inline file content; nothing is stored or published.

open_comparison

ChatGPT

Open an empty comparison workspace for entering fixed-rate mortgage offers. No live rates or lender quotes are fetched. Offers exist only in the current UI unless the user exports them.

render_comparison

ChatGPT

Calculate and display the interactive comparison for confirmed fixed-rate mortgage offers. Use after reading and confirming offer figures, or when asked to visualize the comparison. Does not save or submit an application.