Your Mortgage Toolbox

What Your Mortgage Toolbox does

Your Mortgage Toolbox is a Dallas/Fort Worth, Texas-based online platform founded in May 2026 by banking veteran Don Proctor, offering a suite of mortgage calculation tools targeted at U.S. homebuyers, homeowners, and the real estate and mortgage professionals who serve them. The core product is eight browser-based mortgage calculators — Total Mortgage Payment and Cash to Close, Pre-Qualification, Income Needed, Mortgage Payment with Amortization, Net Proceeds, Refinance, Rent vs. Buy, and Down Payment Savings — covering all 50 states with state-specific property tax and homeowners insurance data and including PMI, closing costs, and prepaid items that most competitor calculators omit. The same eight calculators are also packaged as embeddable branded widgets and as a multi-platform branded mobile app (iOS, Android, Amazon Fire tablets) for real estate agents and mortgage lenders, with an OpenAI-powered Mo chat assistant built into the app.

The company operates a hybrid GTM motion: free, no-sign-up consumer calculators drive top-of-funnel awareness via SEO, blog content, 12 free PDF homebuyer guides, and social sharing; a B2B2C channel converts that awareness into paid professional subscriptions sold in three tiers — Individual Pro ($79/year for 1 domain), Team/Office ($179/year for up to 5 domains), and Enterprise (custom pricing starting at $499/year for unlimited domains with optional white-label) — plus a Branded Mobile App subscription ($99 setup fee plus $99/year). Revenue mechanics are entirely subscription/transactional, processed via Stripe, with optional PayPal donations from consumer users and no external funding disclosed. The business is founder-operated with no other identified employees, making it a bootstrapped, single-point-of-execution operation reliant entirely on the founder's 37 years of mortgage lending experience and 2,000+ closed loans for domain credibility.

Name

Your Mortgage Toolbox

Legal name

Your Mortgage Toolbox

Website

https://yourmortgagetoolbox.com

Company type

Private

Founded year

2026

Operating status

Operating

Short description

Your Mortgage Toolbox, founded in May 2026 in Dallas/Fort Worth, offers eight free browser and mobile mortgage calculators for U.S. homebuyers and sells branded embeddable calculator subscriptions and a branded mobile app to real estate agents and mortgage lenders, monetized via Stripe across three subscription tiers.

Ownership category

akta.pro rank

Product category

Mortgage Calculation Software

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Mortgage calculators
• Mortgage calculation software
• Branded mortgage tools
• Home affordability calculator
• Real estate agent tools

Headquarters

HQ city

Dallas/Fort Worth

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Professional Calculator Website Licensing: Annual subscription licenses allowing real estate agents and mortgage lenders to embed branded mortgage calculators on their websites. Three tiers: Individual Pro ($79/year for 1 domain), Team/Office ($179/year for up to 5 domains), and Enterprise (custom pricing starting at $499/year for unlimited domains with optional full white-label).
2. Branded Mobile App Subscription: One-time setup fee ($99 introductory, normally $149) plus annual subscription ($99/year) for branded mobile app distribution via Apple App Store, Google Play, and Amazon Appstore. Includes unlimited client downloads with agent/lender branding, custom QR code, and Mo AI assistant.
3. Consumer Donations: Optional PayPal donations from consumers who find the free calculators and guides helpful. Donations are not tax-deductible as the company is not a registered nonprofit.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Your Mortgage Toolbox operates a free web and mobile suite of 8 mortgage calculators (Total Payment & Cash to Close, Pre-Qualification, Income Needed, Mortgage Payment with Amortization, Net Proceeds, Refinance, Rent vs. Buy, and Down Payment Savings) that include state-specific property tax, insurance, PMI, and closing cost estimates for all 50 U.S. states. It also sells branded professional subscriptions to real estate agents and mortgage lenders who embed the calculators on their own websites or distribute a branded mobile app (with the Mo AI assistant) to clients under annual subscription plans ranging from $79 to $499+.

Product overview

Your Mortgage Toolbox provides a suite of mortgage calculation tools for homebuyers and real estate professionals. The core offering consists of 8 free mortgage calculators on the main website (Total Payment & Cash to Close, Pre-Qualification, Income Needed, Mortgage Payment with Amortization, Net Proceeds, Refinance, Rent vs. Buy, and Down Payment Savings), covering all 50 states with state-specific property tax and insurance data. Paid professional tiers include Branded Website Calculators (embeddable on agent/lender websites with custom branding, $79-$499+/year) and a Branded Mobile App (iOS/Android/Amazon, $99 setup plus $99/year) that bundles all 8 calculators with the Mo AI assistant (powered by OpenAI) and marketing tools like QR codes and branded sharing links. The company also offers 12 free homebuyer guides via email opt-in. Founded by Don Proctor, a 37-year banking veteran based in Dallas/Fort Worth, Texas.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Mortgage Calculators Eight free browser-based mortgage calculators (Total Mortgage Payment & Cash to Close, Pre-Qualification, Income Needed, Mortgage Payment with Amortization, Net Proceeds, Refinance, Rent vs. Buy, and Down Payment Savings) available on the Your Mortgage Toolbox website without requiring account creation or sign-up. Includes state-specific property tax and insurance data for all 50 U.S. states. Targeted at homebuyers, homeowners, and refinancers planning to estimate costs before contacting lenders.
• Branded Website Calculators Professional mortgage calculator suite licensed to real estate agents and mortgage lenders to embed on their own websites via iframe or hosted link with custom branding. Includes all 8 calculators plus customization of logos, colors, default lender fees (appraisal, processing, doc prep, credit report), property tax rates, and hazard insurance rates. Three subscription tiers: Individual Pro ($79/year, 1 domain), Team/Office ($179/year, up to 5 domains and 10 agents), and Enterprise (custom pricing starting at $499/year, unlimited domains with optional full white-label and no YMT attribution).
• Branded Mobile App Custom-branded mortgage calculator mobile application for real estate agents and mortgage lenders, distributed on iOS (Apple App Store), Android (Google Play), and Amazon Fire tablets. Includes all 8 calculators, scenario saving, history recall, one-tap call/email buttons, viral branded sharing, custom QR code, branded download link, and the Mo AI assistant (OpenAI-powered) for conversational mortgage Q&A. Pricing: $99 introductory one-time setup fee (normally $149) plus $99/year subscription; clients download the app free under the agent/lender brand.

Quantifiable outcome

• Total Cash to Close accuracy within 0.4-4.2% of verified lender quotes vs. competitors showing only down payment
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• StripecoreTechnology or IntegrationPayment processing for Pro website calculator subscriptions and Branded Mobile App orders. Stripe does not share full card numbers with Your Mortgage Toolbox. Primary payment processor for all paid services.
• OpenAIcoreTechnology or IntegrationPowers the Mo AI assistant within the Branded Mobile App. Questions asked of Mo are forwarded to OpenAI's API to generate responses. OpenAI may retain API request data for up to 30 days for abuse monitoring and does not use inputs to train models.
• Apple App Store, Google Play, Amazon AppstorecoreChannel Partner/ Reseller/ DistributorApp store distribution platforms for the Branded Mobile App. Each platform has its own privacy practices and terms governing app downloads and usage. App stores are required distribution channels for branded app delivery to clients.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/sharer/sharer.php?u=https://www.yourmortgagetoolbox.com
• Xtwitter.com/intent/tweet?url=https://www.yourmortgagetoolbox.com
• LinkedInlinkedin.com/shareArticle?mini=true&url=https://www.yourmortgagetoolbox.com

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Your Mortgage Toolbox