See exactly how much your broker is making off your loan before you get locked into a bad deal
Viability Score
Mortgage brokers are making thousands in hidden markups and kickbacks on borrowers' loans, but there's no way for borrowers to see how much their broker is actually earning or whether they're getting steered toward higher-commission lenders instead of better deals.
A transparency app that reveals the wholesale rate for any loan quote, calculates broker markups in real-time, shows which lenders pay the highest commissions, and helps borrowers negotiate better deals or find direct lenders without broker fees.
Homebuyers working with mortgage brokers who want to ensure they're getting fair deals, particularly first-time buyers and refinancers who are most vulnerable to broker manipulation tactics.
Freemium SaaS with premium features, affiliate commissions from ethical lenders, and broker certification program fees
Mortgage rates are at multi-year highs, making every 0.1% difference worth thousands in savings, while the "mortgage broker" search term is exploding with 1000% growth as more people seek alternatives to expensive direct lenders. Recent regulatory discussions about broker compensation disclosure are creating awareness but no practical tools for consumers.
The first 20-30 users come from r/Mortgages (120k members) and r/RealEstate (1.2M members) by posting in daily rate shopping threads with free rate transparency checks. Target users who post "my broker quoted X rate, is this good?" and offer to run their quote through the transparency tool. Also reach out to active posters in the First Time Home Buyer Facebook group (450k members) who are asking about broker recommendations.
Full-code, no AI assistance — maximum control, longer runway.
Skills needed
Tech stack
Budget
$15,000-25,000
Timeline
4-6 months
Vibecoding (Cursor, v0), no-code, and AI tools — faster & cheaper.
Recommended AI tools
Budget
$8,000-12,000
Timeline
2-3 months
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