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Optional — not all assistants are licensed.
You can see every file belonging to these loan officers. Contact your administrator to change this.
Assistants who can reach every one of your client files. Granting access is handled by your administrator.
Contacts
Borrower submits application
Completed
Milestone
Date Completed
Application — Borrowers
Completed
Milestone
Date Completed
Application — Credit
Completed
Milestone
Date Completed
Application — Employment / Income
Completed
Milestone
Date Completed
Application — Assets
Completed
Milestone
Date Completed
Application — Liabilities
Completed
Milestone
Date Completed
Application — REO
Completed
Milestone
Date Completed
Application — Purpose & Property
Completed
Milestone
Date Completed
Application — Loan Source
Completed
Milestone
Date Completed
Application — Loan Terms
Completed
Milestone
Date Completed
Application — Declarations
Completed
Milestone
Date Completed
Application — Automated Underwriting
Completed
Milestone
Date Completed
Next Steps
Completed
Milestone
Date Completed
Pre-Approval Ready
Completed
Milestone
Date Completed
Identification
Completed
Milestone
Date Completed
Credit
Completed
Milestone
Date Completed
Assets
Completed
Milestone
Date Completed
Income
Completed
Milestone
Date Completed
Escrow / Title Documents
Completed
Milestone
Date Completed
Insurance
Completed
Milestone
Date Completed
Appraisal
Completed
Milestone
Date Completed
REO Documents
Completed
Milestone
Date Completed
DPA - Homebuyers Education Class
Completed
Milestone
Date Completed
Complete File Notes to Underwriter
Completed
Milestone
Date Completed
Contract received
Completed
Milestone
Date Completed
Disclosures
Completed
Milestone
Date Completed
Title & Escrow
Completed
Milestone
Date Completed
Appraisal
Completed
Milestone
Date Completed
HOA
Completed
Milestone
Date Completed
Homeowners Insurance
Completed
Milestone
Date Completed
Submitted to Underwriting
Completed
Milestone
Date Completed
Approval Received
Completed
Milestone
Date Completed
Closing Disclosure
Completed
Milestone
Date Completed
Conditions Submitted Back to Underwriting
Completed
Milestone
Date Completed
Closing
Completed
Milestone
Date Completed
2 Days Post Close
Completed
Milestone
Date Completed
5 Days Post Close
Completed
Milestone
Date Completed
10 Days Post Close
Completed
Milestone
Date Completed
15 Days Post Close
Completed
Milestone
Date Completed
Initial Loan Application
Completed
Milestone
Date Completed
Appraisal
Completed
Milestone
Date Completed
Underwriting & Approval
Completed
Milestone
Date Completed
Condo Approval
Completed
Milestone
Date Completed
Closing
Completed
Milestone
Date Completed
Items We Are Working On
What to Expect
Contact Details
Select closing date
Home
Side-by-side monthly payment breakdown for each option.
Borrower
Co-Borrower
Scenario Name
Property Address
Your Files
Loan Officer
First Name
Last Name
Title
Company
NMLS #
Phone
Email
Website
Photo
Company / Team
Referral Partners
First Name
Last Name
Company
Title
Phone
Email
Website
Photo
Company / Team
Total Monthly Income
—
Total Monthly Debts
—
Front-End DTI
—
Back-End DTI
—
Cash to Close
—
Estimated Mortgage Payment
—
—
Export
Credit / Debts
DescriptionTypeMonthlyBalanceExclude
Total Debts: —
Property & Loan
Term (years)
1st Mortgage Balance$
Estimated Value$
Occupancy
P
I
S
Purchase price$
Appraised value$
Down payment
$
Interest rate%
Current Loan Balance$
Estimated Value$
Current Payment$
Current Interest Rate%
Cash-Out Amount$
Interest rate%
1st Mortgage Payment$
1st LTV—
HELOC Amount$
HELOC Rate%
Total Loan Balance—
CLTV—
Draw Period (Years)
Repayment Period (Years)
Loan Amount
Base Loan Amount$
LTV%
CLTV—
PMI rate %/yr%
PMI $/mo$
DPA (%)%
DPA ($)$
DPA Term
DPA Interest Rate%
Property Taxes
$
Home Insurance
$
HOA
$
Proposed Rental Income$
Principal & Interest—
Repayment Period Payment—
Current Monthly Payment
1st Mortgage Payment—
Taxes—
Insurance—
PMI—
HOA—
DPA Payment—
Estimated Monthly Payment—
Cash to Close
Closing Costs$
Credits$
Down Payment—
Closing Costs—
Down Payment Assistance—
Credits—
Debts Paid At Closing—
Cash Out Received—
Cash to Close—
Notes
Scenarios
Closing Cost Details
Based on standard Loan Estimate sections — enter amounts for each fee.
Scenario|Closing Date
Loan Costs
A. Origination Charges$0
⠿
$
⠿
$
⠿
$
⠿
$
B. Services Borrower Did Not Shop For$0
⠿
Appraisal Fee
$
⠿
Credit Report Fee
$
⠿
$
⠿
$
⠿
$
⠿
VA Funding Fee
$
⠿
UFMIP — FHA Upfront MIP
$
C. Services Borrower Did Shop For$0
⠿
$
⠿
$
⠿
$
D. Total Loan Costs (Borrower-Paid)$0
Other Costs
E. Taxes & Other Government Fees$0
⠿
$
F. Prepaids$0+
⠿
(12 mo.)
$
⠿
( days at $0.00/day)
$
⠿
( mo.)
$
G. Initial Escrow Payment at Closing$0
⠿
($0/mo. for mo.)
$
⠿
($0/mo. for mo.)
$
⠿
$
H. Other$0
⠿
$
I. Total Other Costs (Borrower-Paid)$0
J. Total Closing Costs (Borrower-Paid)
⠿
Estimated Closing Costs (D + I)
$
Credits & Concessions
⠿
$
Estimated Closing Costs (D + I)$0
Total Credits
$0
⚠Exceeds closing costs
Full comparison(click to toggle)
Interest & mortgage insurance over time
0 yrs30 yrsYear 5
Interest & Mortgage Insurance
Conventional PMI is modeled to drop off once the loan balance reaches 80% of the original property value. FHA MIP follows HUD's cancellation schedule: it drops off after 11 years when the original LTV was 90% or below, and runs for the life of the loan when the original LTV was above 90%. VA loans carry no monthly mortgage insurance. Figures assume the monthly PMI/MIP amount stays level until cancellation and don't yet account for a separate down-payment-assistance loan's own interest, if any.
Impact of additional payments
Closing Date
Additional Monthly Payment$
Extra Annual Payment$
One-Time Payment$
0 yrs30 yrsYear 5
Remaining Balance
Payoff Impact
Biweekly payments are modeled as one extra full monthly payment applied toward principal each year (26 half-payments ≈ 13 monthly payments), spread evenly across the year rather than in exact two-week intervals. The amortization clock starts from the first regular payment date — one full calendar month after the closing month — not the closing date itself.
—
Questions on a real scenario? Let's talk.
Co-brand with Referral Partner:
Your Name
Estimate for illustration purposes only — not a loan offer, approval, commitment to lend, or a finalized disclosure.
Payments shown include principal & interest, estimated property taxes, homeowners insurance, HOA, and PMI where entered.
Tax, insurance, and PMI figures are estimates; actual amounts may vary. All figures subject to borrower qualification and current market pricing,
confirmed by a licensed mortgage professional.
Scenario
Original Loan Information
Funding Date
EPO Date—
Original Term (months)
Original Interest Rate%
Original Loan Amount$
Current P&I Payment$
Payoff Estimate
Today's Date
Months Paid—
Months Remaining—
Estimated Balance Today—
Current Loan Balance (entered on scenario)—
New Refinance
New Loan Amount$
Interest Rate%
Term (Yrs)
Monthly Savings—
Annual Savings—
Putting the Savings Toward Principal
Extra Monthly Payment (defaults to monthly savings — edit freely)$
New Loan Payoff — Normal—
New Loan Payoff — With Extra—
Time Saved / Additional Interest Saved—
Refinance Comparison Summary
Do Nothing
Refinance
Refinance + Extra Payment
Monthly Payment
—
—
—
Payoff Timeframe
—
—
—
Remaining Interest
—
—
—
Remaining Total Payments
—
—
—
Interest and total payments are from today forward — interest already paid on the current loan is a sunk cost and doesn't change based on this decision, so it's left out of all three columns.
Total Payments Over the Remaining Life of Each Loan
Current Loan (if not refinanced)—
New Loan (with extra payment)—
Down Payment vs. Invest the Difference
For illustrative purposes only. This tool shows the mathematical effect of two assumptions you enter — it is not a projection, guarantee, or recommendation of any investment return. Investment returns are not guaranteed and can result in loss of principal. Please consult a licensed financial advisor for investment decisions.
Scenario A
Purchase Price
Down Payment
Loan Amount
Loan Term (years)
Interest Rate
Monthly Principal and Interest
Private Mortgage Insurance
Monthly Difference
Initial Investment
Scenario B
Purchase Price
Down Payment
Loan Amount
Loan Term (years)
Interest Rate
Monthly Principal and Interest
Private Mortgage Insurance
Monthly Difference
Initial Investment
Growth Assumptions
Net Worth Comparison — Year
Scenario A
Value of Home
Home Equity
Investment Account
Net Worth
Scenario B
Value of Home
Home Equity
Investment Account
Net Worth
Difference
This comparison is a simplified illustration. It does not account for taxes, PMI, closing costs, opportunity cost of investment fees/taxes, or changes in rate, income, or market conditions over time. Actual results will differ.
Amortization Schedule
For illustrative purposes only. This is a simplified schedule and does not account for taxes, insurance, PMI, or rate changes.
Loan Information
Accelerate Your Payoff
Standard Schedule
Monthly Payment
Payoff Time
Total Interest Paid
With Extra Payments
Effective Monthly Payment
Payoff Time
Total Interest Paid
Interest Saved
Time Saved
Year-by-Year Schedule (With Extra Payments)
Year
Principal Paid
Interest Paid
Remaining Balance
Rent vs. Own
For illustrative purposes only. Actual costs vary by market, property condition, and personal circumstances. Not a guarantee of future value or savings.
Renting
Owning
Ownership Costs (Annual, as % of Home Price unless noted)
Growth Assumptions
Comparison — Year
Renting
Total Rent Paid
Equity Built
Net Position
Owning
Total Cost of Ownership
Home Equity
Net Position
Difference
"Net Position" for renting = down payment amount left uninvested (not grown — this tool doesn't assume renters invest the difference; adjust manually if you want to model that). "Net Position" for owning = home equity minus total cash spent on ownership costs beyond what a mortgage payment alone would cost.
Debt Snowball
For illustrative purposes only, not financial advice. Compares two payoff strategies: Snowball (smallest balance first — helpful for momentum and DTI improvement) vs. Avalanche (highest interest rate first — usually saves the most money). The minimum payment is always made on every debt in both — only where the extra money goes changes.
Debts
Extra Monthly Payment
Payoff Summary
Total Debt
Total Minimum Payments
Snowball
Avalanche
Debt-Free In
Total Interest Paid
Payoff Order
Blended Rate Calculator
For illustrative purposes only. Useful for comparing your current combined rate across two loans against a proposed new single-rate loan.
First Mortgage
Second Mortgage / HELOC
Proposed New Loan (Optional Comparison)
Result
Combined Balance
Blended Rate
Proposed New Rate
Rate Difference
Refinance Break-Even
For illustrative purposes only. Does not account for tax deductions, PMI changes, or other loan-specific fees. Consult your loan estimate for exact costs.
Current Loan
New (Refinanced) Loan
Current Payment
Monthly P&I
Remaining Interest (if kept)
New Payment
Monthly P&I
Total Interest (new loan)
The Bottom Line
Monthly Savings
Break-Even Point
Lifetime Interest Comparison
Break-even point = closing costs ÷ monthly savings — the number of months before the savings from a lower payment outweigh what it cost to refinance. "Remaining Interest (if kept)" estimates the interest left to pay on the current loan over its remaining years; "Total Interest (new loan)" is the full interest cost of the new loan over its new term — these aren't directly apples-to-apples if the terms differ, so use the break-even point as your primary decision number.
Rate Buydown Comparison
For illustrative purposes only. The buydown cost shown is what a seller, builder, or lender typically funds upfront into a temporary escrow account to subsidize the lower payments — it does not reduce your loan balance.
Loan Information
Payment by Year
Year
Effective Rate
Monthly Payment
Monthly Savings
Summary
Full Note Rate Payment (Year +)
Year 1 Payment
Total Savings During Buydown
Cost to Buy Down (funded upfront)
Price Reduction vs. Rate Buydown
For illustrative purposes only. For agents/sellers weighing how to spend the same dollar amount — cutting the list price vs. funding a temporary rate buydown for the buyer. Assumes the buyer's down payment scales with price and financing terms stay the same either way.
Listing & Buyer Assumptions
Seller's Budget
Option A — Cut the Price
New List Price
Old Payment
New Payment
Buyer's Monthly Relief
Permanent — lasts the life of the loan
Option B — Fund a Buydown
Cost to Fund Buydown
Budget Remaining
Year 1 Payment
Buyer's Year 1 Monthly Relief
Temporary — steps up to full payment over time
The Pitch
For the same seller cost
The buydown's monthly relief is temporary and steps down each year, while a price reduction's relief is smaller but permanent for the life of the loan. If the buydown costs less than the seller's budget, the leftover could go toward closing costs or a smaller additional price adjustment.
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