Maybe you are using the app from an Apple device rather than using the website via a web browser; if that is the case, you can do those things using Safari. 

Make sure you scroll down and check out floor plans to make sure you're comparing apples to apples.

Get a few quotes or work with an insurance broker that can compare apples to apples quotes from other companies.

I am looking for something simple (Apple-like product).

Mark, you're mixing apples and oranges, those fee structures apply to regulated lenders and dealers, not mom and pop or private lenders who are and have been for decades restricted from charging "lender fees".

It also sits just about 15 minutes from the new Apple campus that is still being built. 

Also as noted, the damage typically does not stop at the sill plate, so just be sure you are getting apples to apples bids.

I have never used Hard money before and I am pretty curious about it.One of the things alot of new investors fail to understand is that often when you shop hard money you are often looking at apples and oranges not apples to apples. 

With that said, we are comparing apples and oranges.

Just for grins, our personal home was purchased in Cupertino in 1973 for 34K sold in 1997 for 305K - - you do the math.The clue here is Cupertino; located in the Silicon Valley where the hi-tech companies are co-located -- Google, Oracle, Facebook, Parc/xerox, HP, Apple and it's all located withing hours of the mountains, sea shore, fishing, hiking - - It was only pure luck that my employer moved me to a job in Palo Alto and I got to live there.That gain FORCED me into a 1031 for my MFU