Service 02 · Win The Deal

Accurate scenario pricing with real LodeStar closing costs and city-level transfer taxes, built to share with the borrower and their realtor, and ready for the open house.

~19

states supported

City-level

transfer-tax accuracy

Realtor

live collaboration

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01 · The Problem

Loan officers quote a monthly payment in thirty seconds and a closing-cost number that's a rough guess. Then the real Loan Estimate comes back different and trust erodes. Pricing a scenario accurately is slow, and collaborating with the realtor is a mess.

Guesswork closing costs

You quote a rough number, then the real Loan Estimate comes back different, and the borrower’s trust erodes.

Slow & error-prone

Pricing accurately, with real transfer taxes, title fees, and cash-to-close, is manual and easy to get wrong.

No way to collaborate

There’s no clean way to work the deal with the realtor who’s actually driving it.

Marketing is a chore

Open-house flyers are a separate manual task piled on top of everything else.

To the $

Real LodeStar title fees and city-level transfer taxes, CA, IL, and NY to the township, so the numbers hold when the real Loan Estimate arrives.

02 · How It Works

One tool takes a scenario from a rough idea to a locked, accurate, shareable deal the realtor can work with you.

Stage 01Build

Build any scenario, accurately

Purchase, refinance, or second-lien / DPA: every loan type, with live LTV/CLTV math, temporary buydowns, and mortgage insurance handled automatically.

  • Conventional, FHA, VA, NonQM (+DPA)
  • Live LTV / CLTV & down-payment math
  • Buydowns (1/0, 2/1, 3/2/1) & auto-MI
  • Full monthly-payment breakdown
Stage 02Qualify

Real-time qualification with fixes

Housing ratio and DTI checked against loan-type limits, with Eligible / Not Eligible status and actionable fixes when a borrower comes up short.

  • DTI vs loan-type limits (FHA, VA, Conv)
  • Actionable fixes: income, liabilities, down
  • Self-employed & complex-income calculators
  • IPC / TRID credit-cap validation
Stage 03Share

Share with the realtor, without losing control

A unique, 14-day link gives the realtor their own editable view to adjust price, taxes, credits, and commission, while your loan terms, rate, and fees stay locked. Every number recalculates live.

  • Realtor-editable view, loan terms locked
  • Live recalculation of payment & cash-to-close
  • Side-by-side comparison + revoke anytime
Stage 04Market

Generate the open-house flyer

Spin up branded flyers with the property, the realtor, and the financing details. Export as an image, download as EML, or email directly.

  • Multiple flyer templates
  • Branded with property + realtor
  • Export image, EML, or send email
03 · Capabilities

Qualification, compliance, cash-to-close, buydowns, DPA, and complex income, all in one accurate scenario.

Scenario Pricing

Purchase, refinance, and second-lien / DPA calculators for every loan type in one tool.

Itemized Closing Costs

Lender fees, title insurance (lender’s + owner’s), recording fees, and endorsements, fully itemized.

City-Level Transfer Taxes

CA, IL, and NY priced to the township via the live LodeStar API; fixed templates across ~19 states.

Cash-to-Close

Down payment, costs, prepaids, points, buydown subsidy, and reserves netted against every credit.

Real-Time Qualification

Housing ratio + DTI against loan-type limits, with actionable fixes the moment a borrower is short.

IPC / TRID Validation

Enforces interested-party credit caps by loan type and LTV, and blocks cash-back scenarios.

Complex Income

W-2, rental (75% rule), Schedule C, 1120-S/C, P&L, and bank-statement analysis built in.

Realtor Collaboration

A 14-day shareable link with a locked, realtor-editable view and live recalculation.

Open-House Flyers

Branded flyer templates exported as an image, EML, or sent directly by email.

04 · Why It's Different

01

Accurate to the township

Real LodeStar-sourced title fees and city-level transfer taxes, so the numbers hold when the real Loan Estimate arrives.

02

Collaboration without losing control

Realtors tweak the deal in their own view; your loan terms and fees can’t be altered, and every change is tracked and comparable.

03

The whole deal

Qualification, IPC compliance, cash-to-close, buydowns, DPA, and complex income, all in one scenario.

04

Built for how LOs win

With the realtor, at the open house, in front of the borrower, not buried in a spreadsheet.

One Platform

Three services, one story, and they all live inside the stack you already run. Here's where this one sits.

Price any scenario in seconds, accurate to the city’s transfer tax, and share it with the borrower and their realtor. Build it, share it, win it.