We built a robot so brokers can't charge you for math.
Amortization schedules, break-even analysis, LTV caps, funding fee tables. All of it is arithmetic. None of it requires a licensed intermediary to compute. RobotRefi gives it away because there is no good reason not to.
Why ROBO exists.
David Park spent 12 years as a mortgage loan officer. He watched a lot of good people pay $5,000 to $8,000 in broker fees for work that took about an hour of actual thought.
The math was never secret. Rates are published. Amortization is two-hundred-year-old arithmetic. What it required was someone to build the tool and give it away.
That is what RobotRefi is. Twelve years of loan officer pattern recognition turned into nine calculators. No pitch at the end. No lead form in the middle. Just the numbers.
The name is literal. Robots should do robot tasks: run the math, check the rules, flag the risks. Humans should do human tasks: decide whether the numbers match their life. The problem with mortgage brokers is not that they exist. It is that the industry trained people to pay for math instead of judgment. ROBO does the math. You keep the $6,000.
What ROBO does and does not do.
We do
- Free refinance calculators, no paywall
- Honest amortization math, no fudging
- Plain-English yes or no verdicts from ROBO
- Optional rate alert emails when you opt in
- FHA and VA rule logic built into the math
- Connect you with lenders who compete for your loan
We don't
- Charge anything, ever
- Sell your email to lenders or advertisers
- Originate or broker mortgage loans
- Pull your credit, ever
- Profit from rate confusion
- Give personalized financial advice
What we believe.
Free always.
No freemium, no trial, no upgrade wall. Every calculator, every guide, every result. Free means free.
Math, not opinion.
ROBO gives you a number and explains the arithmetic. What you do with it is your call. We do not editorialize about what rate you should accept.
Lenders compete for you, not the other way around.
If you choose to request quotes, lenders bid for your business. You are the customer. You hold the leverage. We make sure the math reflects that.
We email you. You can leave anytime.
Rate alerts only go to people who ask for them. Unsubscribe works, actually. No dark patterns, no re-subscribe loops.
Educational, not advice.
RobotRefi is an educational tool, not a licensed financial advisor. The numbers inform your decision. The decision is yours. Always confirm with a licensed mortgage professional before signing anything.
Meet David Park.
David Park spent twelve years as a mortgage loan officer, closing hundreds of purchase and refinance transactions across conventional, FHA, and VA programs. He watched borrowers pay thousands in fees for calculations that take modern software a fraction of a second. In 2025 he left origination to build RobotRefi and put those calculations online for free. He holds no current mortgage license and RobotRefi does not originate or broker loans. His only agenda is making sure the math is right and the price is zero.
Run the math.
60 seconds. No signup. No credit pull.