Save Money on Your Home, Every Day.

When I bought my first home, I thought I had it figured out. The lender gave me a monthly number. I ran my budget. I felt responsible. I felt ready.

And then reality showed up a few months later and said, "You only priced the ticket. You didn't price the trip."

Your mortgage payment is not the cost of owning a home. It's the cost of borrowing money. Ownership has its own bill, and that bill doesn't arrive in one envelope, which is why it blindsides people.

Property taxes get reassessed closer to your purchase price — that adjustment can add $150 to $400 per month permanently. Insurance premiums rise as construction costs increase — even a modest 20% increase adds $40 to $80 per month within the first few years. Maintenance isn't bad luck — it's physics. A realistic maintenance reserve is roughly one percent of your home's value per year. That's $4,000 annually on a $400,000 home, or roughly $330 per month you need to set aside.

Then there's escrow. Lenders over-fund escrow accounts by $800 to $2,000 on average. They hold your money, earn interest on it, and you don't even know it's happening. PMI? You might still be paying $1,200 to $3,600 per year even after you've hit 78% loan-to-value. And refinancing opportunities? They come and go with rate cycles, but most people miss them because they're not watching.

I spent years catching these leaks manually. Checking my statements every month. Calling my insurance company to negotiate. Appealing my property tax assessment. Analyzing my amortization schedule to see how much principal vs interest I was paying. Calculating whether extra payments made sense. Tracking my equity growth. And I realized something: almost no one does this. Not because they don't care. Because it's exhausting, and there's no system that makes it effortless.

So I built Momenta. Every morning, it scans your house and the market. It analyzes your mortgage, insurance, and tax statements. It calculates your equity growth. It checks if you're eligible for PMI removal. It finds refinancing opportunities with current market rates. It identifies escrow over-funding. It researches energy efficiency savings. It calculates the impact of extra payments. And it delivers one personalized action — with researched contact info, scripts you can use, and step-by-step guidance.

One day it might tell you: "Your escrow account is over-funded by $1,200. Here's the phone number for your lender, and here's exactly what to say." Another day: "You've hit 78% loan-to-value. Here's how to remove PMI and save $1,800 per year." Or: "Current refinance rates are 0.6% lower than your rate. Here's the calculation showing you'll save $3,444 per year, and here are three lenders to call." Or: "Your attic and crawl space need moisture and insulation optimization. Here's how to prevent $5,000-$20,000 in damage, and here are local contractors ready to help."

The average homeowner saves $6,400 per year. Not because they're doing anything special. Because they finally have someone watching their biggest asset, every single day. Analyzing. Calculating. Researching. Finding opportunities. And making it effortless.

This isn't about motivation or willpower. It's about having a system that works for you, automatically. The thing you refuse to cancel because it literally feels like having a personal coach for your biggest financial asset — one that never sleeps, never forgets, and never stops looking for ways to save you money.