Updated Rates to include Estimated APR. Provided Updated Links to New Application Pages Styling and UI enhancments

- Fixed "Need Help" button so it doesn't interfere with bottom bezel. - Made sure all rates are pushed to 3 decimal places. - Added 15 Year and 10 Year Rates

Precision DTI "Traffic Lights": Spot tight ratios at a glance with our new color-coded Debt-to-Income logic: Green (Safe), Amber (Caution), and Red (High Ratio). Real-Time LTV & PMI Alerts: Track Loan-to-Value in real-time. The app now automatically alerts you when the LTV exceeds 80% and PMI may be required. Live Market Benchmarks: Our "Refresh Market Rate" tool now pulls the latest daily benchmarks directly from Mortgage News Daily. The "Need More Info" Hub: A high-visibility floating action button ensures the Verified Home LLC team is always just one tap away for questions or pre-approvals. Polished Input Logic: Refined calculator interface to prevent leading-zero issues and ensure a cleaner, faster typing experience. Rich Contact Sharing: When sharing loan officer info, the app now generates a professionally formatted introduction and full contact block. Restored Visual Breakdown: Monthly payment cards now feature full icons and shaded rows for a more intuitive, premium feel.

New Features & Enhancements: Real-Time LTV Tracking: When using the "Dollar Amount" down payment mode, the app now automatically calculates and displays the Loan-to-Value (LTV) ratio. Smart "Traffic Light" Logic: The LTV display now features dynamic color coding: Green: LTV 80% Amber: LTV > 80% (indicates PMI may be required) Red: LTV > 100%PMI Advisories: Added a dynamic disclaimer that appears automatically when the LTV exceeds 80%, notifying users that Private Mortgage Insurance (PMI) may be required for the scenario. Enhanced Precision: Improved decimal handling for all calculations to ensure 100% accuracy in monthly payment and ratio displays. Compliance & Branding: Updated Disclosures: Added NMLS #2693996 to the footer to ensure full regulatory transparency. Contact Sharing: Refined the "Share Loan Officer" feature to include both Mobile and Office numbers for faster communication with a Verified advisor.

DTI Improvements: New color-coded indicators (Green/Amber/Red) for front-end and back-end ratios. Easy Sharing: Quickly share Loan Officer contact information with buyers via the new share button.

Minor UI improvements: Cleaner input fields (removed default zeros) and improved layout. Added "Reset" button to calculator. Updated footer with NMLS #2693996. Added validation for down payment percentages.

• Added a "Reset" button to quickly clear all calculator inputs. • Improved down payment validation to prevent percentage errors. • Minor UI improvements and performance enhancements.

• Accessibility: Improved support for larger text sizes (Dynamic Type) • UI polish and stability improvements