More reliable chat answers on rates and payments #
Chat now gives grounded tax, insurance, rate and payment answers, and the mobile widget adds a helpful navigation tip.
17 Oct 2026
Feature
Improvement
Fixed
Security
🆕 New
- On mobile, a one-time tip now points to the menu button after your first message in chat, so you know where navigation went. Dismiss it once and it stays gone on every device you use.
✨ Improved
- Chat monthly payment estimates now use current rates and loan limits for your ZIP and include mortgage insurance. Conventional loans under 20% down include PMI, FHA loans include mortgage insurance, and VA loans include the funding fee. Chat asks for a ZIP if it doesn't have one.
- If you give chat only a loan amount, it now assumes 20% down, tells you so, and runs the full payment calculation.
- When rate, tax or insurance data isn't available, chat says so and asks for a nearby ZIP instead of guessing with typical figures. If you have a saved plan, it may point to your plan's rate, clearly labeled as the rate from your plan rather than today's market rate.
🐛 Fixed
- Chat answers about property tax, homeowners insurance and current mortgage rates now work from Further's own rate data for your ZIP. Mortgage rates come with the date they're from, and chat says rates are unavailable when there isn't a recent one.
- When your numbers show no affordable home price, the insight cards now show correct figures, including the income you'd need to reach a workable debt-to-income ratio, instead of zeros and a negative loan amount.
- In the embedded widget, "Let's continue" on the plan page now sends the "Check my plan and continue" message before the next onboarding step, matching the main app.
- Follow-up topic suggestions in chat no longer show stray asterisks.
🔒 Security
- Behind-the-scenes security and performance improvements.