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Cambrian House began as a crowdsourcing community using a wisdom of crowds based approach to discover new business and technology ideas. These pages are being kept online as a technology demo to showcase Chaordix™.

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The Perfect Mortgage Calculator

thecougar
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  • Submitted by: thecougar
  • Created: Mar 21, 2007, 6:26 pm
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The Idea

Mortgage sites are a dime a dozen. They all have the exact same information and format, like they were B+ projects from a Comp Sci 100-level final course project. We can do better. Much better.

My idea is a mortgage calculator on steroids. You'd be taken to a well-designed site where, instead of entering an estimated total payment, you'd be asked for a street address. The site would take advantage of the Zillow API to pull the "Zestimated" home value along with the property tax info and other available information. The user would then be presented with the estimated monthly payments for that property, along with a few visual levers you could use to adjust rates/credit rating, term length, loan type, etc... Additional information such as a map showing surrounding property values (again, thanks Zillow!), amortization schedule, potential discounted purchasing options from an online real-estate agent like Redfin, along with other data pulled from real estate web services.

I thought of this idea when I was...

looking into purchasing a home. Then I learned how competitive the CPC rates are for mortgage/real estate ads. Plus, with the advent of the new real estate web services that are maturing, it makes for an easy mashup-type of site that could pull in a decent AdSense monthly income without much effort or maintenance.


Comments Posted

drh
drh Posted: March 21, 2007, 7:38 pm

Good idea, so much the process of buying a house has moved to the web these days that decent web services for this industry are vital

thedark
thedark Posted: March 6, 2008, 2:15 pm

I think that most users when searching for a mortgage calculator, they already know the price. Other users only want to know how high can their mortgage can be, for those are made reverse mortgage calculators.

Probably the best mortgage calculators are those where you enter location and automatically fill with average interest rate for that area, and for property taxes too.

The most complete mortgage calculator i think is at http://www.maracal.com

 

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