[{"data":1,"prerenderedAt":689},["ShallowReactive",2],{"project-42149044":3},{"id":4,"name":5,"line":6,"line_source":7,"title":8,"url":9,"domain":10,"maker":11,"posted_at":12,"year":13,"points":14,"comments":15,"rank_in_year":16,"shown_in_year":17,"top":18,"tier":19,"category":20,"subcategory":21,"format":22,"keywords":23,"reception":28,"sentiment":29,"stance_mix":30,"scored_comments":35,"aspects":36,"strip":48,"post_text":51,"what":52,"said":81,"maker_in_thread":197,"shape":208,"grid":213,"attempts":650,"same_week":651,"maker_shows":33,"maker_hidden":681,"reader_version":682,"card":683},"42149044","closing.wtf","Free mortgage analysis tool to avoid getting screwed by closing costs","title","Show HN: Free mortgage analysis tool to avoid getting screwed by closing costs","https:\u002F\u002Fclosingwtf.com","closingwtf.com","aaln",1731692329,2024,273,164,249,3515,8,"legend","finance_crypto","mortgage analysis","web_app",[24,25,26,27],"mortgage","closing costs","loan estimate","closing disclosure","roasted",-0.325,{"positive":31,"neutral":32,"mixed":33,"critical":34},12,16,2,40,70,{"privacy":37,"docs":40,"pricing":42,"idea":43,"execution":46,"design":47},{"positive":38,"critical":39},1,24,{"positive":41,"critical":38},0,{"positive":41,"critical":41},{"positive":44,"critical":45},5,6,{"positive":33,"critical":44},{"positive":38,"critical":33},[38,38,44,41,49,38,38,38,41,41,38,41,41,38,38,38,49,38,38,38,38,38,38,38,38,38,49,44,49,33,38,38,49,44,50,38,49,38,44,33],3,4,null,{"problem":53,"audience":63,"pricing":69,"motivation":74,"time_to_build":51,"stack":78,"openness":79,"stage":80,"team_size":79},{"value":54,"source":55,"evidence":56},"Homebuyers overpay on closing costs and mortgage fees without noticing","maker",[57,60],{"id":58,"by":11,"text":59},"42150061","Hey, Aaron the builder here. The scamming that happens to homebuyers is not even comparable to the risk in uploading docs to a website which promises they won't share user data…",{"id":61,"by":11,"text":62},"42151898","The tool analyzes mortgage loan estimates and closing disclosures to find every potential place a buyer might be overpaying, every negotiable fee, and show the buyer a…",{"value":64,"source":55,"evidence":65},"Homebuyers with a mortgage",[66],{"id":67,"by":11,"text":68},"42169150","Target demographic are regular people of all types who want to afford a home and have a quality life. All either have the problem now or had in the past and are curious if they…",{"value":70,"source":55,"evidence":71},"Free",[72],{"id":73},"post",{"value":75,"source":55,"evidence":76},"Maker overpaid on closing costs when buying a house",[77],{"id":61,"by":11,"text":62},[],"unknown","launched",{"praise":82,"objections":99,"requests":144,"questions":163,"alternatives":178},[83],{"value":84,"source":85,"evidence":86},"Useful and accurate for mortgage buyers","commenter",[87,91,95],{"id":88,"by":89,"text":90},"42150426","samteeeee","This looks really useful. I'll definitely be using this in the near future. However, I unnecessarily downloaded the sample loan estimate PDF and uploaded it again in order to…",{"id":92,"by":93,"text":94},"42150009","lawls","I uploaded a mortgage I know well, and the results were pretty accurate.",{"id":96,"by":97,"text":98},"42150731","avanwyk","This is great. Really good work. This looks really useful, and I think you did a great job on the interface and site in general. I hope you aren't discouraged by the other…",[100,115,130,137],{"value":101,"source":85,"evidence":102},"Privacy and security concerns about uploading financial documents",[103,107,111],{"id":104,"by":105,"text":106},"42156104","trollbridge","A side business I have is people who contact me because they just got scammed or need help knowing if something is a scam. One of the things I tell them is to never upload…",{"id":108,"by":109,"text":110},"42149815","kojeovo","The privacy and security part is not inspiring confidence. Scrolling to the next section got me thinking \"Don't get scammed at closing, get scammed before closing after uploading…",{"id":112,"by":113,"text":114},"42150103","gruez",">The scamming that happens to homebuyers is not even comparable to the risk in uploading docs to a website which promises they won't share user data with anyone. Well as long as…",{"value":116,"source":85,"evidence":117},"Uploads frequently fail to process",[118,122,126],{"id":119,"by":120,"text":121},"42154597","virtualneuro","I redacted my personal information from my loan estimate and your system couldn't process it. I don't see why you need that information to pull the closing cost numbers?",{"id":123,"by":124,"text":125},"42150375","JimA","I tried it out with docs from my last refi. Tried both PDF and PNG files, both returned \"An error occurred with processing your document. Please confirm you uploaded a valid Loan…",{"id":127,"by":128,"text":129},"42151654","freeone3000","Hey. I ended up with an error saying my PDF could not be processed? But it’s my final loan disclosure form… Also, I’m not entirely sure what costs this avoids? Inspection fees…",{"value":131,"source":85,"evidence":132},"Landing page design is overwhelming and low contrast",[133],{"id":134,"by":135,"text":136},"42150253","thinkxl","i don't want to be the \"get off my lawn\" person or \"old man yells at cloud,\" but i couldn't get to what the tool does because the landing page is so overwhelming with colors, the…",{"value":138,"source":85,"evidence":139},"Terms of service may need legal review",[140],{"id":141,"by":142,"text":143},"42156868","fredgrott","hmm, I just read the terms of service.... ahem get a damn lawyer to redo it before you get sued my some State AG.... in this area you cross all t's and dot i's before launch…",[145,152,159],{"value":146,"source":85,"evidence":147},"Allow entering numbers instead of uploading documents",[148],{"id":149,"by":150,"text":151},"42151509","sccomps","why upload the actual document? why not let users enter only numbers?",{"value":153,"source":85,"evidence":154},"Export full report to PDF",[155],{"id":156,"by":157,"text":158},"42151175","jdcampolargo","Something that would be useful would be exporting to PDF with the whole report so you could send it to your realtor \u002F lender, etc!",{"value":160,"source":85,"evidence":161},"Automatically detect loan estimate versus closing disclosure",[162],{"id":123,"by":124,"text":125},[164,171],{"value":165,"source":85,"evidence":166},"What does the tool actually do with the uploaded data",[167],{"id":168,"by":169,"text":170},"42151785","cool_dude85","Not wanting to upload my info here, but what, concretely, does this tool do? Does it scan to see if some of the fees I am agreeing to are higher than average? If I am paying for…",{"value":172,"source":85,"evidence":173},"Is it just a wrapper around ChatGPT",[174],{"id":175,"by":176,"text":177},"42152239","aoppaol","Good job on the product and launching @aaln! I can see it being useful for many home buyers. I’m curious if AI tools like this are just wrappers around ChatGPT? Do they use their…",[179,183,190],{"value":180,"source":85,"evidence":181},"ChatGPT with uploaded documents",[182],{"id":175,"by":176,"text":177},{"value":184,"source":85,"evidence":185},"AimLoan.com",[186],{"id":187,"by":188,"text":189},"42152576","paul7986","I use http:\u002F\u002FAimLoan.com! Every detail right is there for you to see including closing costs for whichever interest rate you decide to go with.",{"value":191,"source":85,"evidence":192},"Mortgage calculators such as Bankrate",[193],{"id":194,"by":195,"text":196},"42158460","yboris","Mortgage life hack: pay bi-weekly to pay off mortgage faster while paying less money! https:\u002F\u002Fwww.bankrate.com\u002Fmortgages\u002Fbi-weekly-mortgage-calculator\u002F",{"comments":198,"answered":199,"key":200},25,11,[201,204,207],{"id":202,"text":203},"42167062","Thank you for the feedback. I'm working on all the points @trollbridge and you @Arainach have mentioned.",{"id":205,"text":206},"42161581","Hi @trollbridge, thank you for the valid points. I'm glad to take you up on your consulting offer.",{"id":58,"text":59},{"commenters":209,"max_depth":210,"maker_replies":198,"first_comment_mins":211,"lifespan_hours":212},96,10,85,343,[214,216,220,223,225,226,228,229,230,234,238,241,244,248,250,252,254,257,259,262,265,268,271,275,278,281,284,287,290,292,294,298,301,303,306,310,312,315,318,321,324,326,329,333,336,338,341,344,346,349,352,355,357,360,362,365,367,370,373,376,379,382,385,388,391,394,398,402,405,408,410,412,414,416,419,423,427,431,433,436,439,442,444,446,448,450,452,454,456,459,461,463,465,469,472,475,478,481,484,486,488,491,492,494,497,500,502,505,507,510,511,512,515,517,520,522,525,528,530,534,535,536,538,541,545,549,551,553,556,559,563,565,568,570,572,574,576,579,581,584,586,589,591,595,597,599,601,603,606,610,613,617,620,622,625,628,630,632,634,638,642,644,646],[104,41,38,215,105,41],"project\u002Fcritical\u002Fprivacy",[217,41,38,218,219,41],"42156932","project\u002Fcritical\u002Fnone","telgareith",[221,41,38,215,222,41],"42157056","Arainach",[202,41,41,224,11,38],"maker\u002Fneutral\u002Fnone",[205,41,41,224,11,38],[108,38,49,227,109,41],"project\u002Fmixed\u002Fprivacy",[58,38,41,224,11,38],[112,38,38,215,113,41],[231,38,41,232,233,41],"42150132","commenter\u002Fneutral\u002Fnone","mannyv",[235,38,44,236,237,41],"42151022","project\u002Fpositive\u002Fnone","effingwewt",[239,38,41,232,240,41],"42154743","KPGv2",[242,38,41,232,243,41],"42151071","ziddoap",[245,38,41,246,247,41],"42151693","commenter\u002Fneutral\u002Fprivacy","cj",[249,38,41,246,243,41],"42152136",[251,38,41,232,247,41],"42152331",[253,38,41,232,243,41],"42152349",[255,38,41,232,256,41],"42151841","fragmede",[258,38,41,232,243,41],"42152069",[260,38,41,232,261,41],"42152244","ryandrake",[263,38,49,264,109,41],"42164897","project\u002Fneutral\u002Fprivacy",[266,38,49,264,267,41],"42150169","bredren",[269,38,41,270,11,38],"42162120","maker\u002Fneutral\u002Fprivacy",[272,38,38,273,274,41],"42150219","project\u002Fcritical\u002Fdocs","WaitWaitWha",[276,38,41,246,277,41],"42150822","mmh0000",[279,38,41,232,280,41],"42151436","T4iga",[282,38,49,264,283,41],"42150852","adamtaylor_13",[285,38,38,215,286,41],"42150989","b1ngb0n1",[288,38,41,232,289,41],"42151088","scottishbee",[291,38,38,215,113,41],"42151128",[293,38,41,224,11,38],"42152767",[295,38,49,296,297,41],"42157019","project\u002Fneutral\u002Fpricing","baldeagle",[299,38,41,246,300,41],"42151092","Kiro",[302,38,41,232,113,41],"42151174",[304,38,41,246,305,41],"42151505","dumbfounder",[307,38,41,308,309,41],"42151879","commenter\u002Fneutral\u002Fpricing","gsharma",[311,38,41,232,261,41],"42152155",[313,38,41,232,314,41],"42155180","t0mas88",[316,38,41,232,317,41],"42156660","JumpCrisscross",[319,38,41,232,320,41],"42152645","jogjayr",[322,38,41,232,323,41],"42153112","happyopossum",[325,38,41,232,240,41],"42154722",[327,38,38,215,328,41],"42151079","AntiRush",[330,38,41,331,332,41],"42151215","other\u002Fneutral\u002Fnone","SoftTalker",[334,38,41,232,335,41],"42151734","takeda",[337,38,41,232,332,41],"42151888",[339,38,41,232,340,41],"42151756","jvanderbot",[342,38,41,232,343,41],"42152686","nijave",[345,38,41,232,219,41],"42156948",[347,38,41,331,348,41],"42152057","zie",[350,38,41,331,351,41],"42154509","davchana",[353,38,41,331,354,41],"42155655","blitzar",[356,38,41,331,348,41],"42156591",[358,38,41,246,359,41],"42152237","lolinder",[361,38,41,270,11,38],"42152835",[363,38,38,215,364,41],"42154977","stouset",[366,38,38,215,359,41],"42156489",[368,38,38,215,369,41],"42157437","vel0city",[371,38,41,232,372,41],"42156281","taxcoder",[374,38,41,375,11,38],"42150889","maker\u002Fneutral\u002Fdocs",[377,38,38,215,378,41],"42153451","doctorpangloss",[380,38,38,215,381,41],"42156603","meowster",[383,38,41,232,384,41],"42156750","paulcole",[386,38,49,224,387,41],"42150406","swatcoder",[389,38,41,232,390,41],"42157730","monktastic1",[392,38,38,215,393,41],"42151085","jjav",[395,38,38,396,397,41],"42151240","maker\u002Fcritical\u002Fprivacy","dylan604",[399,38,44,400,401,41],"42151281","project\u002Fpositive\u002Fidea","datavirtue",[403,38,41,246,404,41],"42151328","egorfine",[406,38,41,246,407,41],"42152098","sangnoir",[409,38,41,232,261,41],"42152211",[411,38,41,232,384,41],"42156758",[413,38,38,215,109,41],"42164602",[415,38,38,396,359,41],"42152261",[417,38,38,215,418,41],"42151929","bastloing",[420,38,44,421,422,41],"42152370","project\u002Fpositive\u002Fprivacy","chourobin",[424,38,38,425,426,41],"42153139","project\u002Fcritical\u002Fidea","mgaunard",[428,38,38,429,430,41],"42154561","maker\u002Fcritical\u002Fnone","stevebmark",[432,38,38,215,109,41],"42164650",[434,38,49,264,435,41],"42150121","293984j29384",[437,38,41,246,438,41],"42150210","Brian_K_White",[440,38,41,246,441,41],"42150259","parsimo2010",[443,38,41,246,435,41],"42150453",[445,38,41,246,407,41],"42152146",[447,38,38,215,359,41],"42152306",[449,38,41,232,435,41],"42168776",[451,38,41,232,343,41],"42278308",[453,38,38,215,343,41],"42152902",[455,38,41,232,435,41],"42168785",[457,38,41,232,458,41],"4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