on the back-end we are: > ensuring our users qualify for mortgages based on the zipcode and financial profile > further seeing if they qualify for any government programs > running their taxes on a federal, state and local level to understand if there are any tax benefits to home ownership (almost always overestimated for lower incomes and underestimated for higher incomes) > drawing on local real estate tax data > drawing on local transactional expenses (including any transactional taxes you need to pay, like mortgage recording tax in nyc) > the above, including your financial inputs are then 'modeled'. We actually build several different models for you, and through the comparison of those models we can give advice on a level of accuracy that could not previously be approached.

The result is utility, accuracy and ease of use that we believe is dramatic on improvement on financial calculators. And we are really just scratching the surface on what the modeling engine can do for many different decisions.