Support

Need help with Mortgage Analyzer AI or the AI Advisor? This page covers the most common questions and gives you a direct support contact.

ma-support@colemanfolks.com

Getting started with the AI Advisor

The AI Advisor runs on your device using Apple Intelligence. There is no account to create, no API key to enter, and no subscription.

1. Tap Ask AI It is in the top-right corner of the Calculator, Chart and Amortization screens.

2. Describe your loan in your own words For example: “$525K home, 10% down, 6.25% for 30 years”. The calculator fills in as you go.

3. Ask anything about it Payments, payoff dates, PMI, DTI, LTV, what a refinance would change. Every figure it quotes is calculated by the app itself.

4. Try a “what if” without losing your loan Ask “what happens if the rate drops to 6%?” and you get the comparison. Tap Apply this to my loan only if you want to keep it.

Important notes

Nothing leaves your device Your messages, your loan details and the answers stay on your device. They are not sent to us or to any third-party AI service, and the feature works offline.

What the AI Advisor needs The app requires iOS 26 or later. The AI Advisor also needs a device that supports Apple Intelligence — per Apple’s list, iPhone 15 Pro, iPhone 15 Pro Max, iPhone Air, iPhone 16 or later, iPad mini (A17 Pro), or an iPad with M1 or later — with Apple Intelligence turned on in Settings → Apple Intelligence & Siri. Everything else in the app works on any supported device.

AI responses are informational The AI Advisor can explain tradeoffs and scenarios, but it is not a substitute for licensed financial advice.

Why am I seeing ads?

Mortgage Analyzer AI is free, and the ads are what pay for it. They sit in a single banner at the bottom of the screen and never interrupt what you’re doing.

How do I use the AI Advisor effectively?

Ask targeted questions tied to your current numbers, such as how much interest extra payments save, how an ARM reset changes affordability, or whether refinancing could reduce total cost.

The AI asked me what a number meant. Why?

If you type an amount without saying what it is — “15 year 2.125% 10% down $365K” — that $365,000 could be the purchase price, the loan, or the down payment. Rather than guess and get it wrong, the app applies everything it is sure of and asks about the one part it isn’t. Tap an option, or just tell it: “the 365 is the loan”.

I asked a “what if” and nothing changed. Is it broken?

No — that is deliberate. Asking “what happens if the rate drops to 6%?” gets you the comparison without touching your loan, so you can explore freely. If you want to keep the change, tap Apply this to my loan under the answer.

Why is my conversation empty when I reopen the app?

Each time you open the app you start fresh — a new conversation and a clean calculator. To keep a loan, tap Save on the Calculator screen to store it as a .mortgage file, then Load it whenever you want it back. To start over without closing the app, use Settings → Reset Everything, which clears the calculator and the conversation but leaves your saved files alone.

How accurate are the AI Advisor’s responses?

Every figure it quotes — payments, balances, DTI, LTV, mortgage insurance — is calculated by the app itself, not by the AI. The advice and explanations around those numbers are general information only, not financial advice. Always verify important decisions with a qualified mortgage professional.

I found a bug. What should I include in my email?

Send the device model, iOS version, what you were doing, and what happened. Screenshots and exact error text are useful when available.

What is the Canadian mortgage convention option?

Canadian mortgages commonly use semi-annual compounding instead of monthly compounding. In the Mortgage Information section, set Convention to Canadian.