Draft — last updated 2026-09-11
Coffee & Mortgage is an independent, AI-assisted tool that reads mortgage disclosure documents you provide and explains them in plain English. It is offered to borrowers at no cost, as a courtesy from a participating real estate agent or brokerage.
Coffee & Mortgage provides education and general analysis, not individualized legal, financial, or tax advice, and it is not a licensed financial advisor, attorney, or mortgage broker. It will not negotiate on your behalf, draft communications to your lender or loan officer, or offer an opinion on where interest rates are headed. Nothing in the product should be treated as a substitute for advice from a qualified professional about your specific situation.
We build the analysis to be as accurate as possible, grounded in the documents you provide and in publicly available benchmark data, but mortgage documents vary and extraction can make mistakes. Always confirm anything material against your actual loan documents and, where it matters, with a qualified professional before making a decision.
Access to a loan file is granted by the real estate agent who invited you, and is verified with a one-time code sent to your email. Keep your invite link and code private — anyone with access to them can view your loan file.
You agree not to:
Subscribing brokerages pay a flat, seat-based subscription that is not tied to the size of any loan or to whether a transaction closes. Agents can see whether a borrower's file needs attention, but cannot access the borrower's actual numbers, documents, or chat history.
We may update these terms as the product evolves. Material changes will be reflected here with an updated date.
Questions about these terms can be sent to hello@coffeeandmortgage.com.