LTI Mortgage — Loan Options

1Client

2Scenarios

3Fees

4Hybrid Agent

5Analysis

Start from a loan file

Drop a MISMO 3.4 export (.xml) or a legacy Fannie Mae 3.2 file (.txt / .fnm) from your LOS. Nothing is changed until you review what it found and press Apply.

Drop the file here, or click to choose

MISMO 3.4 XML · Fannie Mae 3.2 flat file

Client information

First name

Last name

Co-borrower first name

Co-borrower last name

Email address

Cell phone

Annual gross income

Savings balance

Tax bracket %

Filing status

Credit status

Non-mortgage debt/mo

Client goals

Hybrid Agent Program

Your Exclusive Advantage

Apply Hybrid Agent program to this analysis

Commission rate %

Rebate to buyer %

Apply rebate to

Apply Hybrid Agent to

Analysis & reinvestment settings

Property appreciation %

Short-term analysis (months)

Long-term analysis (years)

What are you building?

Pick the presentation your borrower sees. The same loan data drives all of them — switch any time without re-entering anything.

Presentation type

Their current mortgage — the loan being paid off

For a refinance. The payoff balance below drives everything: the new loan has to cover it plus the fees plus any cash out, and whatever is left over is the borrower's cash. Leave the payoff at 0 and the refinance sections stay hidden (and the Hybrid rebate stays available, since a purchase does have a commission to share).

Payoff balance — current loan ($)

Current rate %

Current payment, P&I only ($)

Years left on it

Current home value ($)

Closing costs

Cash out to borrower ($)

Estimated cash to borrower

Enter a payoff or cash-out amount above.

Debts to pay off

Needs a current mortgage above. Add what they are carrying and the borrower sees the consolidation — what it frees up monthly, and what stretching it over the loan costs.

Renting vs. owning

Enter what they pay in rent today and the borrower sees rent-vs-own with a break-even year. Leave blank and the section is hidden — nothing is assumed about their rent.

Their rent today ($/mo)

Rent increase %/yr

The cost of waiting

What the same home costs if they wait. Rate change stays at 0 unless you set it, so by default this predicts nothing about rates — only the appreciation above.

Wait how long (months)

Rate change (points)

Show this section

New Extra principal payment strategy

Extra principal/mo ($)

Applied to

Investment return % (optional)

Enter an extra monthly principal payment to show the borrower their effective rate and how many years they shave off the loan. Leave at 0 to skip.

vmail Personal video message

Paste a vmail link (Copy link in your video library) and the video plays inside the presentation — your borrower never leaves the page, and you get a watch alert when they play it.

Video link

Video title (optional)

Welcome message to borrower