Bolt Home Payment Overlay Chrome extension security report

Bolt Home Payment Overlay helps homebuyers estimate the true monthly cost of a property while browsing real estate listings online. Instead of relying on different default assumptions across multiple listing websites, users can save their own mortgage preferences and apply them consistently to the homes they are viewing. HOW IT WORKS Open a property listing and click the Bolt Home Payment Overlay icon. The extension will attempt to detect the visible purchase price and open a personalized mortgage calculator directly on the page. Users can review or adjust the detected price, select a loan type, enter their preferred assumptions, and immediately see an estimated monthly housing payment. KEY FEATURES • Detects the visible purchase price on many real estate listing pages • Provides manual price entry if automatic detection is unavailable • Calculates estimated principal and interest • Estimates monthly property taxes • Estimates homeowners insurance • Includes optional mortgage insurance • Includes HOA dues when entered • Estimates total monthly housing payment • Estimates down payment and cash needed • Supports Conventional, FHA, VA, and Custom loan scenarios • Allows users to enter an optional monthly housing budget • Shows whether the estimated payment is above or below the user’s budget • Saves mortgage preferences locally for future property searches • Allows users to copy a formatted payment summary • Provides access to a lender for a verified mortgage scenario PERSONALIZED ESTIMATES ACROSS LISTING WEBSITES Real estate websites may use different assumptions for interest rates, down payments, taxes, insurance, and mortgage insurance. Bolt Home Payment Overlay allows users to save their preferred assumptions once and use them consistently while comparing homes across different websites. This can make it easier to compare properties based on the same estimated financing assumptions. ESTIMATED PAYMENT BREAKDOWN The extension may calculate the following estimated costs: • Principal and interest • Property taxes • Homeowners insurance • Mortgage insurance • HOA dues • Estimated total monthly payment • Down payment • Estimated closing costs • Estimated cash to close Actual costs may vary based on the property, borrower qualifications, loan program, interest rate, insurance provider, tax authority, lender requirements, and other factors. LOAN PROGRAM OPTIONS Users can choose from several general loan scenarios: CONVENTIONAL Estimate a conventional mortgage using an adjustable down payment, interest rate, loan term, mortgage insurance amount, taxes, insurance, and HOA dues. FHA Estimate an FHA-style mortgage scenario using adjustable assumptions. FHA mortgage insurance and other program costs may vary based on current requirements and individual loan details. VA Estimate a VA-style mortgage scenario. Eligibility requirements, funding fees, exemptions, property requirements, and final loan terms may vary. CUSTOM Create a personalized scenario using the user’s own financing assumptions. BUDGET COMPARISON Users may enter an optional target monthly housing budget. The extension compares the estimated payment with the selected budget and shows the approximate monthly difference. A property appearing within a selected budget does not mean that the user qualifies for financing or that the property meets lender or loan-program requirements. PRIVACY-FIRST DESIGN Bolt Home Payment Overlay is designed to minimize unnecessary access to browsing information. The extension is activated by the user and analyzes the currently displayed page to identify information such as a visible purchase price. Mortgage preferences are stored locally using Chrome extension storage. The extension does not require users to enter sensitive information such as: • Social Security numbers • Bank account numbers • Credit card numbers • Online banking credentials • Tax returns • Pay stubs • Credit reports Users should not enter sensitive financial or identity information into the extension. PROPERTY PRICE DETECTION Automatic price detection depends on the information and structure available on the webpage. Real estate websites may change their page layouts or code at any time. As a result, automatic detection may not work on every page or website. Users can always manually enter or correct the purchase price before calculating an estimate. Automatic detection does not mean that Bolt Home Payment Overlay is affiliated with, endorsed by, sponsored by, or officially connected to the website being viewed. WHO THIS EXTENSION IS FOR Bolt Home Payment Overlay may be useful for: • First-time homebuyers • Repeat homebuyers • Borrowers comparing multiple properties • Users comparing homes across several listing websites • Buyers who want a more consistent estimated payment • Buyers considering Conventional, FHA, or VA financing • Users who want to understand how price, down payment, interest rate, taxes, insurance, mortgage insurance, and HOA dues affect an estimated monthly payment EDUCATIONAL ESTIMATES ONLY All calculations provided by Bolt Home Payment Overlay are estimates for general educational and informational purposes only. The extension does not provide: • A mortgage loan approval • A preapproval • A commitment to lend • A guaranteed interest rate • A locked interest rate • An official Loan Estimate • An official Closing Disclosure • Financial advice • Tax advice • Legal advice • Insurance advice • A property appraisal • A determination of property eligibility • A determination of borrower eligibility The extension does not determine whether a user qualifies for a mortgage. Final payments, rates, fees, loan amounts, closing costs, mortgage insurance, taxes, insurance premiums, HOA dues, and cash-to-close requirements may be different from the estimates displayed. INTEREST RATE DISCLAIMER Any interest rate entered or displayed in the extension is used solely to create an estimated payment. It is not an advertised rate, guaranteed rate, rate quote, or offer of credit. Available interest rates may depend on market conditions, credit history, credit score, loan amount, loan program, property type, occupancy, location, loan-to-value ratio, discount points, lender credits, lock period, and other factors. TAX AND INSURANCE DISCLAIMER Property taxes and homeowners insurance can vary significantly by property and location. Tax amounts may change after a sale, reassessment, exemption change, new construction, transfer of ownership, or action by a local taxing authority. Insurance premiums may vary based on the property, replacement cost, coverage, deductible, location, claims history, insurance provider, flood zone, and other factors. The extension’s estimates may not include special assessments, supplemental taxes, flood insurance, wind insurance, earthquake insurance, condominium insurance, or other property-related costs. HOA DISCLAIMER HOA dues are included only when detected or entered. Users should verify whether the property has monthly, quarterly, annual, master association, condominium, community, recreation, transfer, initiation, or special-assessment fees. CLOSING COST DISCLAIMER Estimated closing costs and cash-to-close figures are general estimates only. Actual cash needed may include or exclude: • Down payment • Lender fees • Discount points • Appraisal fees • Credit report fees • Title fees • Settlement fees • Recording fees • Transfer taxes • Property-tax adjustments • Homeowners insurance premiums • Prepaid interest • Escrow deposits • Mortgage insurance • HOA charges • Inspections • Seller credits • Lender credits • Earnest money deposits • Other transaction-specific expenses CONTACTING A LENDER Users may choose to visit Bolt Home Loans or request a verified mortgage scenario. Any information submitted outside the extension is subject to the privacy practices and terms of the website receiving that information. Clicking a lender link does not create a loan application, approval, commitment, or obligation. INDEPENDENT PRODUCT Bolt Home Payment Overlay is an independent mortgage-calculation tool. It is not affiliated with, endorsed by, sponsored by, or officially connected with Zillow, Redfin, Realtor.com, or any other real estate search platform unless expressly stated. All company names, website names, product names, trademarks, and service marks belong to their respective owners. IMPORTANT Before making an offer, signing a purchase agreement, paying a deposit, or making any financial decision, users should obtain a personalized mortgage analysis from a licensed mortgage professional and independently verify property taxes, insurance, HOA dues, loan terms, closing costs, and property eligibility. Bolt Home Payment Overlay is designed to help users better understand estimated housing costs while browsing homes. It is not a substitute for professional mortgage guidance or official loan disclosures.