Compare mortgage offers with rate, APR, monthly payment, total interest, and full amortization schedule side-by-side. Help homebuyers make confident financing decisions with a clear, interactive calculator.
Build Prompt
Copy this prompt into Claude Code
Build a static HTML mortgage comparison tool. Dark theme: background #0a0a0f, surfaces #12121a, borders #1a1a2a, accent #b45309 (amber). No backend — all calculations in vanilla JavaScript.
Inputs panel (left column): Home price (number input with $ formatting), Down payment ($ and % toggle), Loan term (15, 20, 25, 30 year radio buttons), Credit score range (dropdown: Excellent 760+, Good 700-759, Fair 650-699, Poor below 650), Loan type (Conventional, FHA, VA, Jumbo radio buttons), Property tax rate (%), Homeowner's insurance ($/year), HOA fees ($/month), PMI rate (auto-calculated if down payment under 20%).
Comparison table (right): Up to 3 lender offers side-by-side. Each offer has: Lender name (editable), Interest rate (%), Points paid (number), Origination fee ($). Show calculated: APR, Monthly P&I, Total monthly (with taxes/insurance/HOA/PMI), Total interest paid over loan life, Total cost of loan, Break-even point for points.
Amortization section: Toggle to expand full year-by-year amortization table showing beginning balance, principal paid, interest paid, ending balance, cumulative interest. Chart using inline SVG: line graph of remaining balance over time for all 3 loans overlaid.
Highlight the "best deal" lender with accent color border. Add a "Which is better?" explainer section that auto-generates a plain-English summary comparing the offers.
SEO: title "Mortgage Comparison Calculator — Compare Lender Offers Side by Side", meta description, JSON-LD FinancialProduct schema. Include print stylesheet for clean PDF output.
Read the guide at https://accessagent.ai/api/guide and follow it to deploy the site to AccessAgent.ai. My email is [your@email.com].
Make It Yours
Rate Lock Timer
Add a countdown showing how many days remain on each lender's rate lock period.
Pre-Approval Checklist
Attach a document checklist for each lender with checkboxes for W2s, tax returns, bank statements.
Refinance Mode
Toggle to refinance mode: enter current loan balance and rate, compare new offer savings.
Affordability Calculator
Add gross income input and compute max affordable home price based on 28/36 DTI rule.
Closing Cost Breakdown
Expand each lender card to show itemized closing costs: title, appraisal, recording fees, escrow.
Scenario Saving
Save comparison scenarios to localStorage and reload them by name for future sessions.
Update Prompt
Update Prompt — Refresh rate defaults and add features
Update the mortgage comparison tool with current average 30-year fixed rates from Freddie Mac's weekly survey. Add a "Today's Average Rates" banner at the top showing 15-year and 30-year benchmarks. Redeploy to AccessAgent.ai.
SEO Tips
Target "mortgage comparison calculator" and "compare mortgage lenders" — high commercial intent search terms.
Add FAQ schema answering "What is APR vs interest rate?" and "How many points should I pay?" for featured snippets.
Create location-specific pages: "mortgage rates in [City]" with local lender name defaults pre-filled.
Include a glossary section defining APR, points, PMI, escrow — captures informational search traffic.
Link to authoritative sources like CFPB and Freddie Mac to build trust and domain authority.