I offered to bring a contractor in there to give a more accurate quote on the repairs (since I am not experienced enough yet), but he was hesitant since he hasn't been inside in 6 years.  

Doing any wrap where you charge a higher rate than you are paying is very difficult, most attorneys screw it up, if you have usury laws and in giving APR disclosures you're looking at weighted average interest rate computations based on all amounts financed including the underlying mortgage, if it is an ARM loan, the variables will be to great to be accurate under RESPA, if you're off one tenth of one percent you might as well not even give financing disclosures.

They also have a disclaimer that it may not be very accurate. 

Message me (anyone) who is interested, and not AFRAID to 'test' and 'adjust,' as a (more) creative 'terms' dealmaker(s).

I'll send you a test to make sure that it does.

I would argue that is a less accurate take.thanks, Matt

Let me know if you want to be part of the beta testing I will send you links during beta testing.

If you are not currently a broker, you need to have at least 4 years of experience as a realtor as well as a minimum education program and testing before you can apply for the brokers license.check out trec.texas.gov

Best to stick to what you claimed to be true and accurately report your taxes.

I encourage you to do a google search to find better/more accurate ones.