Frequently asked
questions.

MNTL is your home's permanent record — a private, intelligent companion that keeps everything about your property organized in one place, from closing day forward.

Think of it as the file cabinet your parents never had, combined with an assistant who actually knows your house. Loan details, payment history, estimated equity, home systems, maintenance records, uploaded documents, paint colors, yard inventory — all there, all searchable, all yours.

The AI Concierge can answer questions specific to your home, not just generic advice from the internet. "When should I replace my water heater?" hits different when the answer factors in the one you actually have.

Homeowners. That's the whole list. Whether you just closed last week or you've owned your home for fifteen years, MNTL is built to help you stay on top of your single largest asset — without spreadsheets, sticky notes, or the "where did I put that warranty" panic at 11pm.

Some of our users were gifted MNTL by their real estate agent at closing. Others found us on their own and signed up directly. Either way, the app is the same.

Fair question. A folder stores files. MNTL understands what's in them — and what to do with that information.

Your loan balance tracks your payoff progress. Your home value history builds a real equity picture. Your maintenance records inform the AI's advice. Everything is connected, and none of it requires you to be the one connecting it.

MNTL is a full Progressive Web App — which means it works beautifully in your browser and installs directly on your phone's home screen, exactly like a native app. No App Store required.

Here's how to install it on your device:

A native App Store and Google Play version is on our roadmap. For now, the installed PWA is the real thing — same experience, no middleman.

Absolutely. MNTL doesn't care when you closed — you can start building your home record today. The further back your history goes, the more you can add over time (old closing docs, past maintenance receipts, original appliance manuals), but there's no requirement to start from day one.

Plenty of people use MNTL to finally get organized after years of "I'll deal with that pile of documents later." No judgment. Later is now.

$9.99 per month, billed monthly. No annual contracts, no tiered nonsense, no features hidden behind a premium plan. Cancel anytime.

If a real estate agent gifted MNTL to you at closing, you get 24 months free. After that, it's the same $9.99/month if you want to keep going — and at that point, you'll have two years of home history built up and a very good reason to.

We hope that once you see everything MNTL does for you, you'll be pretty tickled to only be paying $9.99.

We know exactly how this sounds — every app says this. So here's the specifics: our business model is a $9.99/month subscription. That's it. We have zero financial incentive to share your information with anyone, and a very strong incentive not to — because the moment we did, we'd deserve to lose every subscriber we have.

You will not receive spam calls. You will not receive targeted ads based on your home value. You will not find your mortgage details in some data broker's file. Your phone number is yours. The only time you'll ever be contacted by anyone is when you intentionally invite it.

This is written into our Privacy Policy and it is a founding principle of this company, not a marketing line.

You. That's the short answer.

If a real estate agent gifted MNTL to you, they can see basic activation status — essentially, whether you've set up your account and your home address. They do not have access to your financial details, loan balance, documents, chat history, AI conversations, or home photos. Their view is limited to what's needed to provide good service at closing. Nothing more.

That said, MNTL is the tool that keeps you connected to your agent and them to you. You'll receive periodic check-ins and useful communications from them from time to time, and they'll always be just a tap away if you ever need them.

MNTL employees can access account data only when required to resolve a support issue, and only with your knowledge. We don't browse user data for fun, curiosity, or product research.

Yes. All data is encrypted in transit (TLS) and at rest. We use Supabase — enterprise-grade Postgres infrastructure — for storage, with row-level security so each user can only access their own data. Hosting is on Netlify with automatic HTTPS.

Passwords are never stored. We use PBKDF2 hashing with 100,000 iterations — the same standard used by major financial institutions. Payment processing is handled entirely by Stripe; we never see or store your card details.

We take security seriously because it's a core part of what we're selling: peace of mind about your most valuable asset.

Your data is yours. Before you go, you can export a complete copy of your home record from within the app — documents, history, financial data, all of it.

If you delete your account, your data is permanently removed from our systems. There's no "we keep it for analytics" clause. It's gone. We'll send a confirmation email when it's done.

You can request account deletion directly from the Settings section of the app at any time.

MNTL's AI Concierge answers questions about your home — specifically your home, not a generic property somewhere. Before it responds, it reads your home's actual record: your systems, your loan details, your maintenance history, your location.

So "when should I service my HVAC?" gets a real answer based on the unit you have, not a Wikipedia paragraph. "What's my estimated equity?" uses your actual numbers. "Is this leak serious?" considers your home's age and construction. You get home-specific answers without sorting through 13 pages of search results to find the one that actually applies to you.

It's powered by Anthropic's Claude — one of the most trusted and capable AI systems available. All AI calls run through our own servers; your home data never goes directly to a third party.

Each conversation session is independent. We route all AI requests through our own Netlify functions — the AI provider receives the context needed to answer your question, not a persistent profile of you or your home.

Almost. The Concierge is focused on home topics — maintenance, systems, finances, improvements, what that sound is, why that thing is that color. It's genuinely good at all of it.

It won't give legal advice, specific financial recommendations, or medical opinions. If you ask something that really needs a licensed professional, it'll tell you so and suggest where to look — including, when relevant, connecting you with a local real estate agent through MNTL.

Head to mntlapp.com/join and sign up directly with your email. You'll subscribe for $9.99/month — no codes, no waitlist.

We're currently in beta, which means things are occasionally a little rough around the edges. We appreciate the patience and respond quickly to any issues at support@mntlapp.com.

Yes. During setup, you'll enter both your name and your partner's name and email. Your partner can sign in with their email address and will have full access to the same home record — no separate subscription needed. Up to two household members per property.

Your MNTL record becomes a genuine asset at closing. A documented home — maintenance history, system records, improvement receipts — is something buyers and their agents actively want to see. It signals a home that was cared for.

We're building a formal transfer feature for new owners. For now, your full data export covers you. And when you're ready for your next home, MNTL comes with you.

MNTL is built by Oikos United LLC, a small company based in Virginia. We're homeowners who built this because we needed it and couldn't find anything that got it right.

No venture capital, no growth-at-all-costs mandate, no plans to sell to a data company. Just a well-made product we're proud of and a business model that works on its own merits.

Questions, feedback, or just want to say hi — support@mntlapp.com. We read everything.

MNTL is short for Mantle — the hearth, the centerpiece, the heart of a home. It's where the family gathers, where things are displayed, where the house becomes a home.

We thought that was a pretty good name for an app that sits at the center of everything about your home. Turns out it was.