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This like the most ambitious yet realistic open hardware project ever. Props for opening this up to the community to assist.

Really cool - even cooler if some farming related hardware on a designated plot of land can be setup so it's more than an ai agent finding someone to hire via apis.

Ready-to-use 'field kits' for the jetson orin nano which include a dual imx219 camera, bootable m.2 nvme ssd, and a 3d printed case with camera mount.

https://implyinfer.com

Target demographic are regular people of all types who want to afford a home and have a quality life.

All either have the problem now or had in the past and are curious if they got a good deal.

Thank you for the feedback. I'm working on all the points @trollbridge and you @Arainach have mentioned.

The upload often doesn't work with redacted information because redacting sometimes changes the pdf's structure and can make the text extraction less reliable. I'm working on making the pdf processing more resilient.

The processing could fail for a bunch of reasons. I'm working on making the upload more fault tolerant including of redacted information.

Thank you for these suggestions, I'm going to advise users to remove PII before uploading and eventually allow users to purge their data.

Hi @trollbridge, thank you for the valid points.

I'm glad to take you up on your consulting offer.

I am not dismissing the concern, I was stating the tool solves an even larger concern. I'm doing everything I can to setup it up to be secure, private, and worthy of trust and addressing the feedback points.

If you have suggestions more than "don't trust this random internet tool even if it gives you free advice, regardless of the value it offers", please let me know [thanks emoji]

Lol no revenue source and a promise to never sell or share their data.

Gotta figure this one out...

Thank you @aoppaol!

AI tools like this don't generally need their own models or fine tuned LLMs. Uploading mortgage documents to ChatGPT may get some useful results but it really won't be comprehensive, it most probably won't take into account jurisdictional laws and mortgages rate data, and would be hard(er) to trust because of hallucinations without guardrails.

Technically this is an LLM wrapper but it utilizes around 5-10 prompts to extract and structure data from the document and ~15 prompts to analyze.

Extract all the text from the PDF, turn the pdf into images, send the text for each page along with the image to an LLM with a desired output strucutre.

hacker news, reddit, and other communities. Hopefully there will be a strong incentive in the future for real estate agents or mortgage brokers to recommend the tool. Also I think the name closing.wtf will be good for distribution.

I ran out of anthropic credits, I just refilled and the service works well now

Your welcome, thank you for the message.

Going to work on this feature and ship it early next week if you're still in the closing process then.

Thanks for mentioning this, I'm prioritizing this as a feature!

The tool analyzes mortgage loan estimates and closing disclosures to find every potential place a buyer might be overpaying, every negotiable fee, and show the buyer a comprehensive AI analysis so they don't get screwed over and can have peace of mind on buying their home.

When I was closing on a house, I called a few friends to help review my mortgage, and we found lots of mistakes. For example, I was getting charged transfer tax, which didn’t make sense for Florida where the seller typically pays that. The deeper I dug, the more I realized how much gray area there is with these documents - what’s negotiable, what’s inflated, what's normal in the property's jurisdiction, and what’s just non-competitive but seems ok since there's a lot of simplified complexity that goes into mortgages and what's an extra 1-3% on a mortgage that's "just going to be refinanced in 6 months" when interest rates go down.

The analysis is generated via ~15 prompts and the output is pretty useful if you're going through buying a property with a mortgage.

The goal is to help mortgage borrowers get better deals on their mortgage. All mortgage terms are outlined in the loan estimate and closing disclosure documents as required by the CFPB (consumer financial protection bureau) - https://www.consumerfinance.gov/owning-a-home/loan-estimate

The tool requires uploading these documents since they have all the data needed to generate the analysis on the mortgage. Technically I can have the user paste in all the data via a textbox, but then it would be much more difficult to reliably parse. Also requiring the upload of the original documents is a much cleaner experience.

This is supposed to be the role of the mortgage broker / loan officer.

However in practice it's more complicated. Homebuyers receive these documents after they already signed a binding contract to purchase. Most people don't even know what questions to ask, much less how to properly negotiate, and they're under the stress of just getting the deal done which include affording a down payment, getting a home appraisal, and making sure they're not getting into a bad deal.

Also throughout the closing, the real estate agent/mortgage broker/lender aren't incentivized to get the buyer the best deal; they usually just want to close. In general the mortgage broker/lender are not going to advise and how the customer how to shop around since it's technically illegal for them to give a "bad" loan to a buyer.

Thank you!

You're right. I just haven't gotten around to figuring out the document type automatically even though it should be straightforward to implement.

There are many reasons the document will fail processing, it's usually because the wrong document type was selected or the original pdf from the lender has been modified. Sometimes, users upload a document they received which is just random text in a pdf they received as a pre-offer from a mortgage broker or lender.

Thanks for the constructive feedback.

I just added a way to easily download the entire privacy policy and terms of service, also quickly added an about page with some info about me - https://closing.wtf/about

Eventually I'm going to get a certification and will keep your other points in mind.

Thanks for the feedback old man! I'm going to improve the aesthetic of the dark mode. You can try the light mode which should be easier to read right now.

Thanks, did you see any interesting insights you're comfortable sharing?

It's a really new tool I quickly launched last week, there's a terms of service and privacy policy that gives info.

https://closing.wtf/terms-of-service https://closing.wtf/privacy-policy

I plan to go through SOC 2 / other compliancy certification in the near future. Happy to answer other questions

Hey, Aaron the builder here.

The scamming that happens to homebuyers is not even comparable to the risk in uploading docs to a website which promises they won't share user data with anyone. This is genuinely a pro buyer tool with no association with any 3rd party.

The tool has already helped many people negotiate and get a better deal on their mortgage. Please before judging understand that 70% of buyers overpay in their mortgage 1-3% in closing costs and bad rates. It's mind boggling how much lenders get away with profiting in junk fees from stressed out homebuyers.