Running Mortgage Numbers with Ace

Ace can run mortgage numbers for you mid-conversation — using today's actual rates, not a guess. Ask in the chat, the Companion, or from Claude/ChatGPT over MCP, and you get a payment breakdown, an amortization view, or an answer to "how much home does this budget buy?" in seconds. It's for agents prepping buyers; it is an estimate tool, not a lender quote.

What Ace can calculate

• Monthly payment breakdown — principal & interest, property taxes, insurance, PMI, and HOA, itemized.
• Amortization — year-by-year (or month-by-month) principal/interest split and remaining balance, plus total interest over the life of the loan.
• Affordability, inverted — give Ace a target monthly payment and it works backwards to the maximum price.
• PMI handled automatically — applied under 20% down and dropped from the schedule at 80% loan-to-value.

How to ask

1. Open Ace (the embed chat in Follow Up Boss, the Companion, or a connected AI client).
2. Ask naturally, for example: "What's the monthly payment on a $520k home with 10% down on a 30-year?" or "My buyer can spend $3,200/month — what price range should we shop?"
3. Add specifics if you have them (taxes, insurance, HOA, a quoted rate) — anything you leave out gets a sensible default.

Ask right in the chat — Ace replies with the breakdown and offers the amortization table.

Where the rate comes from

If you don't supply a rate, Ace uses the current 30-year average from the Federal Reserve's FRED data and tells you the as-of date in its answer. Quote a buyer's actual lender rate whenever you have it — Ace will use yours instead.

Related articles

• Using Ace Chat in Follow Up Boss
• Agent Quickstart: Your First Day with Ace
• Connecting Ace to Claude, ChatGPT & Other AI Tools (MCP)

Last updated: July 2026