I ran through this for real. Here are two major issues that made this not really work for me:

The mobile experience on an iPhone left a bit to be desired. It was responsive, but not totally and I found myself panning incorrectly because of the use of modals (I.e. The phone was panning the background and not the modal). I can't emphasize enough how clunky it was. I was technically able to do everything but it was not a polished experience.

Also, it fails to ask if I have a home equity line of credit. I happen to have done an 80/10/10 when I bought my house. That makes it look as though I've got way more equity than I really do based on the questions. There is also no way to indicate if I want to consolidate said line of credit into a single mortgage as part of a refinance.