I understand that you are a talented software programmer, but you really need to hire a freelancer to do the design part of the site. A nice layout and quality logo is a big PLUS that can make the difference with your competitors. Dont give weapons to your ennemis. I think you underestimate the consequences of having a lower quality design. Nice product though, great idea!
I own a mortgage loan site and already use a mortgage calculator, its a very useful tool.
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