V1 (buying) (Q1/Q2)

• Topic: Home purchasing process (.5 months)
  1. Generic framework (not personalized)
     1. Steps
        1. Financial planning & prep
           1. Find out what you can afford (1-2 mo)
           2. Pre-qual letter (1 day)
        2. Hire agent (2 weeks)
           1. Tips for hiring an agent
              1. How to choose an agent
              2. How agents get paid
        3. What to consider when looking homes
           1. Do you plan to renovate vs move-in ready
           2. Cost of maintenance
        4. Making an offer
           1. Pre-approval letter (14 days)
           2. Home shopping (1 - 12 mo)
           3. Putting your best foot forward
              1. Higher downpayment
              2. High price
              3. Waiving contingencies
              4. Escalator clause
        5. Steps to Closing
           1. Home inspection (5 days)
           2. Home appraisal (14 days)
           3. Home insurance (5 days)
           4. Title insurance (5 days)
• Topic: Mortgage (Iogged in) (2 mo)
  1. Overview of what a mortgage is / key pieces (eg, rate, term, amortization, when you pay principal vs interest)
  2. Overview of diff mortgage structures (pros / cons of diff mortgage structures) (30 year, 10-1 ARM, FHA)
     1. Includes a short Q&A form to help with recommendations
        1. How long do you plan to own the home?
        2. Rates expected to go down/up over X period
        3. Recommendation
  3. Mortgage scenarios (visualization of diff mortgage types and scenarios) (logged in) ‣
     1. How much of each payment is interest vs principal over time
     2. Total accumulated interest paid over time for the loan vs equity built
  4. MVP equity tracker
     1. Only includes based on downpayment and maybe includes basic valuation appreciation scenarios
• Topic: Updated Calculator (.5 - 1 mo)
  • Adding mortgage options (today only 30 year fixed)
  • Mortgage options available change based on personal data entered
• Topic: Downpayment planning (logged in) (1 mo)
  1. Overview of potential downpayment sources
     1. Buyer(s)
        1. How much from you, how much from partner or whether joint
     2. Institutional subsidies?
        1. Generic list of types and were to look or specific if nationwide
     3. Family cash
        1. Stats on family support (and maybe citations of reports / articles)
        2. How to structure & pros/cons (eg, gift vs loan vs equity investment)
        3. Would you like more info on this? (could submit open text or video)

V2 (gateway to gateway to ownership) (Q2) (1.5 mo)

1. Topic: Cost of homeownership mapped out
   1. Monthly expenses (eg, mortgage, insurance)
   2. Quarterly / seasonal expenses (eg, gutter cleaning)
   3. Annual (eg, property taxes)
   4. Longer term / episodic expenses (eg, replacing roof, HVAC, Furnace, etc)

V3 (more sophisticated planning)(Q3) (3 mo)

• Topic: personalized homebuying journey
  • Design criteria
    1. Order of steps can be changed
    2. You can track where you are in the process
    3. Sharing relative timeline of steps / bw steps
• Topic: How can I afford more
  • Scenarios
• Topic: Complete financial plan (logged in) (1 mo)
  1. Financial plan you can share, update, edit with partner, co-buyer, etc.
  2. Can share with family to fundraise
  3. Could run mortgage pre-approval widget to give you personalized view of what you could qualify for - one time widget only (people would pay for it)
  4. Run mock simulation of homebuying pre-approval - would you get approved or not - and what are the things that need to change - or opportunities to change
  5. Perspectus

1. Topic: flipping on paid
   1. This is the part of the product that goes from free to paid
   2. Micro payment decisions
      1. $5 / mo for personalized buying journey
      2. $5 / mo for calculator on ongoing basis
      3. $5 / simulations for mortgage scenarios (pre-approval of the pre-approval)
      4. $$$ for mortgage shopping (massive ARPU)
         1. Work with guys with best scale and best rates
         2. CUs have amazing rates and lowest fees (like Caribou?)

V4 (gateway to ownership) (Q4) (2 mo)

1. Topic: Tax benefits and implications
   1. Tax benefits of mortgage (eg, interest deduction) mapped out
   2. Benefits of homeownership when you sell (eg, how to maximize, value to you)
2. Home sales scenarios and equity building tracker

2026