Prism for homeowners
Your mortgage, insurance and HOA —
translated.
The documents that govern your home are dense on purpose. Prism reads them and tells you what actually matters: when your rate changes, what your policy excludes, what your HOA can enforce.
- Mortgage note
- Homeowners policy
- HOA notices
Your fixed interest rate ends May 1, 2027 — and can jump up to 5 points.
Your note allows an unusually large first adjustment. Knowing the date months ahead is what makes refinancing an option instead of a scramble.
“The initial fixed interest rate will change to an adjustable rate on the first day of May 2027, and… the first adjustment shall not exceed five percentage points.”
From your note · section 4(A) · Change Dates
We email you six months, 90 days and 30 days before the change date — refinance windows need runway.
Examples of what we catch for you
A few of the things we look for — not the full list.
Flood damage excluded
The single most common surprise in homeowners policies. We say it plainly on day one, not claim day.
Mold capped at $10,000
A sublimit far below what remediation actually costs.
Percentage wind & hail deductible
A "2% deductible" on a $400k home is $8,000 out of pocket, not $2,000.
HOA special assessments
A one-off charge on top of dues, with hearing and payment deadlines we put on your calendar.
Christine reads it with you.
She’s not a general chatbot — Christine only ever answers from what’s actually in your saved documents, and every answer traces back to the line it came from. Ask her anything: “which of my leases renew this year?” “do I owe the tenant anything under this clause?” She’s not a lawyer, and she says so if you ask for legal advice.
Which of my leases renew this year?
Two: the Main St unit (auto-renews April 3 unless you give notice) and the 4-plex (renews June 30).
Included with the $9/month Unlimited plan