See exactly how much your Social Security check will buy next year, not just the percentage increase
Viability 88/100See what your mortgage really costs when taxes go up and insurance rates spike next year
Viability 85/100Never get burned by bait-and-switch mortgage rates again — record promises, track changes, get proof.
Viability Score
Mortgage brokers are using bait-and-switch tactics to quote attractive rates that disappear at closing, leaving homebuyers with no proof of what was originally promised and forcing them to pay thousands more or lose their home purchase.
A mobile app that automatically records and verifies mortgage broker promises, extracts key terms using AI, sends confirmation emails to both parties, tracks rate changes, and generates evidence packages for complaints when brokers don't deliver what they promised.
Homebuyers actively shopping for mortgages who have been burned before or are worried about broker trustworthiness, particularly first-time buyers and anyone who has read horror stories in online communities.
Freemium SaaS with basic recording free, premium features ($9.99/month) for AI extraction and complaint generation, plus enterprise licensing to ethical brokers ($49/month) who want to use it as a trust-building tool.
Mortgage broker searches are spiking (+1000% growth) as rising interest rates make rate shopping critical, while social media is exposing widespread bait-and-switch practices. New AI speech recognition makes automated promise extraction feasible for solo developers, and CFPB complaint processes now accept digital evidence, creating regulatory tailwinds.
The first 20-30 users come from people actively complaining about broker issues in r/Mortgages, r/RealEstate, and Facebook groups like "First Time Home Buyers United." Post helpful responses to bait-and-switch stories with "I built something to prevent this exact problem." Target users who are currently shopping for mortgages and mention broker trust issues in their posts.
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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