This is a tool for analyzing the _financing_ of the purchase. But half of the U.S. is underwater because they got the _pricing_ wrong. Let's pass on housing b

This is a tool for analyzing the _financing_ of the purchase. But half of the U.S. is underwater because they got the _pricing_ wrong. Let's pass on housing bubbles for a second. Brokerage fees are the priceyist piece of the average housing purchase, something like 6% or so. But it seems that here these get rolled into the asset cost, the fees mentioned here are the financing fees. Now we can say, "Yeah, that is another wrinkle and we have to fix that." But it's wrinkles all the way down. These decisions are complex because there are so many options. Which goes to the key sentence in the post: "One place, where you can answer all of your questions, address all of your concerns and remove the anxiety created by unfamiliar jargon and complex financial consequences." This as plausible as one place to answer all your web development questions without all that technical jargon. Mortgage finance is complicated because there are lots of options. The jargon represents those concepts. Grok the jargon, grok the concept, you're starting to get it. Want to understand without all that nasty jargon? Look, 99% of technical and financial writing could be more clear, and definitions and motivation of the jargon are generally lousy. But the jargon is there for a reason. I find claims to clarify jargon a lot more credible than claims to obviate it. If the idea is to help some one get to a smart decision about a fixed or floating loan, without them actually understanding the difference and the implications and the various risks, I don't see it. You might be getting them into a better spot. But if they don't understand what they've done, they haven't made a financial decision, they've made a management decision about who they are going to trust. But that is essentially the same model as that of every calculator provider.