FAQ
Honest answers.
Why $49 and not free?
Because someone has to pay for the analysis. If it's not you, it's a lender, and now you're back to a paid recommendation. $49 buys an honest answer.
What's your actual refund rate?
We're early. The honest answer is we don't have enough customer data yet to publish a meaningful refund rate. Once we do, the number will live on this page and update monthly. If it's a number we're embarrassed by, we'll publish it anyway.
What if the analysis is wrong?
We refund automatically when we can't produce a confident result from your documents. Every dollar figure in your report comes from a financial calculator we built, using the same formulas a bank uses, not from AI. The numbers stay consistent and you can check them yourself. If a report still reads wrong to you, email us. We'd rather refund than argue.
Is my data secure?
Yes. Every document is encrypted, access-controlled to your account only, and never shared. We retain documents only as long as your reports and monitoring require. See our privacy page for specifics.
Is this just an AI wrapper?
No. AI reads your documents and explains things in plain English, but it never touches the math. Every dollar figure (your payment, your break-even, what your lender may owe you back) comes from a calculator we built and test ourselves. AI is good at explaining and bad at arithmetic, so we keep it on the explaining side.
How long does it take?
Median turnaround is under 90 seconds from upload to PDF. Refusal cases (wrong document type, low parser confidence) typically finish under 10 seconds because they short-circuit before the analyzer runs.
What's a Pilot vs. a Check?
Checks are one-shot reports. Pilots walk you through the whole refinance or purchase journey: all the relevant Checks plus rate monitoring, lock timing, and post-close monitoring. If you only need a yes or no, get a Check. If you want a guide for the whole process, get a Pilot.