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Privacy First

Private Vault Mortgage Intelligence — No Lead Gen

HomeRates.AI gives every user a private, user-owned mortgage intelligence vault. Every scenario you run, every card you save, every PDF you export stays encrypted in your personal Supabase database — secured by Clerk authentication. We never sell your data. We never hand you to a lender.

How the Vault Works

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Clerk Authentication
Every vault is tied to a verified Clerk identity. Multi-factor authentication supported. No one else can access your data.
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Supabase Storage
Your scenarios, cards, and PDFs are stored in row-level-security Supabase — isolated per user. Not shared, not sold, not aggregated.
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PDF Export
Export any Intelligence Card as a formatted PDF. Download it. Share it directly. It leaves your vault only when you choose.
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Secure Share Links
Generate a read-only share link for any card. Share with your agent, LO, or attorney — they see only what you choose to share.
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Full Recall
The AI remembers your past scenarios in-session. Return to a saved card and pick up exactly where you left off.

What Other Platforms Do With Your Data

When you enter your information on Bankrate, LendingTree, or Zillow Mortgage, you are generating a "lead" that is sold to multiple lenders simultaneously. You will receive calls, emails, and texts — often for months. Your contact information, income, credit score estimate, and purchase intent are all monetized.

HomeRates.AI charges users directly for premium features. That is our entire business model. Your data is never the product.

Your data. Your vault. Your terms. Every conversation and every Property Intelligence Card is privately owned by you, stored in your personal Supabase vault secured by Clerk authentication. No lead-gen funnels. No lender hand-offs. No "enter your email to see your rate."

Start building your private mortgage intelligence vault today.

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Private Vault Mortgage Intelligence — No Lead Gen | HomeRates.AI | HomeRates.ai