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Alex ScoreBy MyFriendAlex · Method v1.0

Know the value.
Understand the trade-offs.

Turn the numbers behind an offer into a score you can inspect. Change your assumptions, see why the rating moves, and keep the comparison worth revisiting.

01 Your numbersEditable inputs and personal limits.
02 Visible reasoningEvery point has a formula behind it.
03 Honest confidenceA score never verifies the source.
Read the methodology
EXAMPLE · All figures are illustrative. Replace the sample inputs for a personal comparison.
Quote AIllustrative example99/ 100

$129,140 borrowing costSee why ↓

Quote BIllustrative example100/ 100

$126,614 borrowing costSee why ↓

Fixed-rate mortgage quotes

Compare the same borrowing need.

Fixed-rate, fully amortizing loans only. Payment limits cover P&I + PMI, not total housing affordability. Upfront limits cover loan costs, not full cash to close.

Quote A

Alex Score by MyFriendAlex

Quote A

Strong modeled fit

Illustrative rating · sample numbers

Data confidence: Low

Illustrative example; not a personal rating.

Borrowing-cost value58.8 / 60

$129,140 of interest, PMI and net loan costs vs $126,614 for the lower-cost entered quote.

Payment-limit fit25.0 / 25

$2,528/month against your $3,000 P&I + PMI limit.

Upfront-cost fit15.0 / 15

$3,000 net loan costs against your $12,000 limit.

Compare the extra borrowing cost with the other trade-offs.

Trade-offs & what this leaves out
  • Taxes, insurance, HOA, down payment, escrows and upkeep are outside this score.
  • Monthly PMI is held constant until payoff or the chosen horizon; enter 0 only if none applies.
Method v1.0 · Quote comparisonSee the logic

Quote B

Alex Score by MyFriendAlex

Quote B

Strong modeled fit

Illustrative rating · sample numbers

Data confidence: Low

Illustrative example; not a personal rating.

Borrowing-cost value60.0 / 60

$126,614 of interest, PMI and net loan costs vs $126,614 for the lower-cost entered quote.

Payment-limit fit25.0 / 25

$2,430/month against your $3,000 P&I + PMI limit.

Upfront-cost fit15.0 / 15

$8,000 net loan costs against your $12,000 limit.

Lowest modeled borrowing cost of these two quotes.

Trade-offs & what this leaves out
  • Taxes, insurance, HOA, down payment, escrows and upkeep are outside this score.
  • Monthly PMI is held constant until payoff or the chosen horizon; enter 0 only if none applies.
Method v1.0 · Quote comparisonSee the logic
The dollar differenceQuote B has $2,526 less modeled borrowing cost over 60 months. Similar scores can still hide a meaningful dollar difference.

Alex Score is a category-specific educational heuristic. It is not a credit score, lender-safety rating, approval probability or guaranteed outcome. Scores from different categories are not comparable. The highest-scoring entered quote is not necessarily competitive with the wider market. See formulas, gates and limitations.