HuTERMINALLOAN OFFICER EDITION
BETTER CONTEXT. BETTER CONVERSATIONS.
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WORKSPACE / MARKET PULSEPUBLIC DATA / 15-MINUTE CHECKS

BUILT FOR THE PERSON ON THE PHONE

Know the market.
Hear the person.

LOAN OFFICER EDITION
National indicators check for updates every 15 minutes while open. Weekly, monthly and quarterly releases change only when the publisher reports new data. These are not lender quotes. Sources and coverage →
Waiting for the first source check. JavaScript is required for automatic updates.
Explore county data + borrower scenarios →

01 / PUT THE NUMBER IN CONTEXT

CONVERSATION PREP
RATES

A benchmark starts a conversation. It doesn’t price a loan.

Check your current approved pricing, borrower scenario, points and fees before discussing an available rate.

“What matters most about this decision: payment, total cost, timing, or something else?”
HOUSING

National supply is not the borrower’s neighborhood.

New-home inventory and national price changes do not establish local value. Ask what they are seeing in the actual market they want to buy in.

HOMEOWNER NEEDS

Debt pressure doesn’t tell you the right product.

Understand existing loan terms, costs, goals and risks before comparing a first-lien refinance, second lien or waiting.

02 / BEFORE THE NEXT CALL

YOUR CHECKLIST

Checklist state is temporary and clears on reload. No borrower information is collected.

Open the conversation desk →Compare hypothetical payments →

CURIOSITY OVER REBUTTALS

Bring a useful reason
to keep talking.

PERSONALIZE YOUR WORDING

OPTIONAL / THIS VISIT ONLY

Add only the details you need. Insert them into the current question and draft, then edit freely. No message is sent from this page.

Insert replaces matching bracketed placeholders only. Existing wording stays as you wrote it. Reset a draft to start again with its original placeholders.

01 / UNDERSTAND THE HESITATION

STARTING POINTS, NOT DIAGNOSES
Open the click-through conversation flow →

02 / FOLLOW UP WITH A PURPOSE

EDIT BEFORE USING

Use only where contact is permitted, through approved channels. Honor preferences and opt-outs. Replace bracketed text with accurate details.

Drafts are not sent automatically. Don’t claim to have prepared information unless it is ready.

Click or tap inside either text box to edit any wording or insert: names, company, goal, comparison, time and topic. Copy uses your edited text. Edits stay available when switching situations during this visit and clear on reload. Nothing is sent or saved automatically.

MAKE THE TRADE-OFF VISIBLE

Two rates.
A clearer comparison.

ILLUSTRATIVE / NOT A QUOTE
Compare two hypothetical fully amortizing fixed-rate loans with the same principal and term. This is not a comparison against an existing loan, an APR calculation or a recommendation to refinance.

01 / ASSUMPTIONS

Example rates and costs are hypothetical and are independent of the market snapshot. No taxes, insurance, mortgage insurance, HOA charges, other fees, payment timing differences or financed costs are included.

02 / PRINCIPAL & INTEREST

MONTHLY
OPTION A—
OPTION B—
ASK BEFORE RECOMMENDING

“How long do you expect to keep the loan, and how important is preserving cash upfront?”

How the comparison works

Monthly principal and interest = principal × monthly rate ÷ [1 − (1 + monthly rate)^(−number of payments)]. At a zero rate, payment = principal ÷ number of payments.

Simple payment break-even = extra upfront cost for B ÷ monthly payment savings. It excludes time value of money, tax effects and differences in principal paydown at an early exit. Full-term interest assumes all scheduled payments are made, with no prepayments. Extra upfront cost is added only to the full-term cost comparison.