“Up until this point, the technology was just such a pain to get something built. I have a web design background. Six months to a year ago, I was trying to build these calculators. I bought plugins, bought software, looked at consultants, all that kind of stuff, and I was only able to recreate a few of the calculators online. I could not get most of these things to work right.”
He said even if the calculator worked, if he wanted to make a small change to it, like the color, it would recode the whole thing and would usually break the calculator. However, after the latest tech advancements in AI, he was able to recreate even the most complicated calculators.
“I gave it a link to a 2025 Fannie Mae calculator and asked it to create something similar with 2026 data,” Scarpero said. “It took five minutes. All I had to do was clean it up. I took a screenshot of a calculator on my website. And I said, ‘Match the branding on this calculator to the colors of my existing content.’ It shoots it out and everything matches.”
Scarpero said the real test was seeing if it could create a more complicated calculator, like a VA Interest Rate Reduction Refinance Loan (IRRRL) calculator. As someone who specializes in VA loans, he was excited to see if it would work.
“As a VA guy, VA IRRRL is a product I should be building calculators for,” he said. “How much work would it be to build a VA IRRRL calculator? How much does the AI know about what’s needed to build the calculator? I said, ‘Please build a VA IRRRL calculator for me.’ I didn’t give it context. I didn’t tell it how to do it. I didn’t tell it what the requirements are. Ten minutes later, it was done correctly.
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