Free Educational Mortgage Analysis Tool

The honest number
before anyone
gets paid.

A father built this tool because his son and wife were buying their first home. Every estimate they received looked manageable — until it wasn't. HomeTrue gives you the real monthly payment before anyone with a commission enters the room. No broker. No agenda. No pressure.

No broker involvement
Best-case & worst-case analysis
County-level data · 11 states
Free educational tool
🏠
Taxes + Insurance + PMI + HOA — all the numbers your lender's quote doesn't always include
📊
Best-case and worst-case side by side so nothing surprises you at closing
📍
County-specific data — not national averages — for 11 states
🔒
No sales pitch. HomeTrue has no financial interest in what you decide.
Join the waitlist
Early Access Waitlist

Get notified the day
HomeTrue goes live.

Join the waitlist now. On July 1, 2026 you'll be the first to access the full platform — free. No credit card. No commitment.

Waitlist is open · Free early access · July 1, 2026 launch
HomeTrue is a free educational mortgage analysis tool. It is not a financial advisor, mortgage broker, real estate agent, or lender. All analysis is educational in nature. Always consult a licensed professional before making any financial decision. By joining this waitlist you agree to receive one launch notification email. We do not sell or share your information.
✓
You're on the list,
and we mean it.

Check your inbox for a confirmation. On July 1, 2026 you'll be among the first people to access HomeTrue — free, no strings attached. The honest number, before anyone gets paid.

Launch Date · July 1, 2026
Why HomeTrue Exists

The gap between what you're quoted
and what you actually pay is real.

"The monthly payment I was quoted was $1,840. My first real bill was $2,470. Nobody mentioned the flood insurance or the escrow shortage."
First-time buyer · Miami-Dade County, FL
"I had no idea property taxes in my county were that high. We almost couldn't afford the house we'd already fallen in love with."
First-time buyer · Maricopa County, AZ
"The HOA fee wasn't in any of the estimates. By the time I found out it was $480/month, we were already under contract."
First-time buyer · Clark County, NV
How It Works

Three steps to the honest number.

01
Enter the property details
Purchase price, down payment, county. That's all you need to start. No personal financial data required.
02
HomeTrue builds the full picture
Principal, interest, county property taxes, insurance estimates, PMI, HOA — every component that makes up your real monthly payment.
03
See best-case and worst-case
Two scenarios, side by side. No surprises at closing. Walk into every conversation knowing your honest number.