Mortgage Intelligence
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Instant answers, powerful loan comparisons, and real-time calculators — so you can analyze options and help clients make smarter financing decisions with confidence.
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Client & Property
Edits here sync back to the client profile. Address search auto-fills county & tax.
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Drives prepaid interest calculation. Default 10.
Properties
Group scenarios by property. Scenarios 1–2 can be Property A and 3–4 Property B.
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Scenario Defaults
Used for prepaid-interest calc. Edit per deal.
Note to Borrower
LO Contact
Closing Costs
These are your global defaults. Each scenario column can override individual line items.
Prepaids & Escrow
Section F, G, H — prepaid items and initial escrow setup. Insurance, tax and prepaid-interest amounts auto-fill from Scenario Defaults (tax %, insurance %, purchase price, loan, rate). Type to override — your manual value sticks.
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Your profile auto-fills new comparisons. Updates save as you type.
Your Profile
Used as the closing on AI-generated borrower emails. Leave blank to auto-build from the fields above.
Defaults
Applied automatically when you create a new comparison.
Fee Templates
Mark which line items are APR fees (prepaid finance charges per Reg Z § 1026.4). Defaults are pre-populated per CFPB guidance; override per item as needed.
Co-Brand Partners
Realtors, co-lenders, financial advisors, attorneys — anyone you co-brand comparisons with. Attached partners appear on the Client View and in the generated email sign-off.
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LoanIQ Powered by Austen Smith · Barton Creek Lending Group
⚡ LoanIQ · Your Personalized Loan Comparison

Here Are Your Options,
Valued Client

Prepared by Austen Smith · Barton Creek Lending Group
Property:—
A Note From Austen

📄 Closing Costs & Prepaids

A full breakdown of estimated costs to close. Toggle between summary and itemized view.

⏱ Cost of Waiting Calculator

What happens to your buying power if you wait?

AS
Austen Smith, CMPS®
Mortgage Strategist · Barton Creek Lending Group
This loan comparison is for informational purposes only and does not constitute a commitment to lend. All rates, payments, and terms are estimates based on current market conditions and assumed borrower qualifications. Actual terms determined upon full application and underwriting. Programs subject to change. Barton Creek Lending Group NMLS #_____. Equal Housing Opportunity Lender.
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LoanIQ · Amortization Schedule
Year 30