Loan origination, loan comparison and free tools for mortgage brokers.
Origination holds the application, fees and documents in one loan file. Decisions compares and presents the options you quote. Each is sold on its own. Four free calculators are open today, no sign-up.
| Amount | How | Who | When |
|---|---|---|---|
| $650.00Current | Typed | Alex Moreno | Sep 15, 2026, 2:04 PM |
| $575.00 | Typed | Jordan Pike | Sep 14, 2026, 10:20 AM |
| $550.00 | A template applied | Jordan Pike | Sep 14, 2026, 10:02 AM |
Origination · Illustrative — not live data
Origination
Loan origination software for mortgage brokers.
- Loan FileThe application, fees and documents in one file, from lead to funded.
- Fee WorksheetFees by lettered section, with lender credit, seller concessions and cash to close.
- Line and Field HistoryFees and key loan figures show who entered them and when.
- Borrower PortalBorrowers complete their part and upload requested documents from a secure account.
Illustrative — not live data. Lenders, people and figures are invented. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
Decisions
Loan comparison and borrower presentation software for mortgage brokers.
- Side-by-Side ComparisonAPR, payment, cash to close and total cost for each option you quote.
- Borrower PresentationA step-by-step presentation with presenter notes only you see.
- Branded DeliverySecure link or PDF with your name, NMLS ID and company.
- Decision RecordThe option selected and the reason given, time-stamped and attributed.
Illustrative — not live data. Lenders, people and figures are invented.
TPO Kit
Free mortgage calculators and market data for loan officers.
No sign-up. The math runs in your browser. Send any result by link or PDF with your name on it.
Loan Comparison
Try the Loan Comparison
Up to three options side by side, with APR, payment, total cost and both break-evens.Refinance Break-Even
Try the Refinance Break-Even
New payment, monthly difference and the month closing costs are earned back, with the restarted term counted.Qualifying Income Worksheet
Try the Qualifying Income Worksheet
Qualifying income for salary, hourly, overtime, bonus, commission, Schedule C and fixed income, with each calculation shown and declining income flagged.DTI and Maximum Loan
Try DTI and Maximum Loan
Maximum payment, loan amount and purchase price at the ratios entered, checked against the county limit and its growth since 2022.Loan Limits by County
See Loan Limits by County
Conforming and high-balance limits for every county, one to four units, from FHFA files.Home-Price Trends by State and County
See Home-Price Trends by State and County
How home prices have moved in each state and county, from FHFA files.
Refinance Break-Even, as the borrower opens it from a shared link.
Refinance Break-Even
Prepared by Jordan Pike · Emerson Ridge Mortgage · NMLS ID 000000
Total-cost break-even
13 mo
Monthly difference $387
New monthly payment $2,270
| Keep current loan | Refinance | |
|---|---|---|
| APR | — | 6.375% |
| Rate | 7.500% | 6.250% |
| Payments left | 324 months | 360 months |
| Closing costs | — | $4,800, paid at closing |
| Loan amount | $368,654 | $368,654 |
| Monthly payment | $2,657 | $2,270 |
Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
APR counts every closing cost and point as a finance charge unless the lender's fees and points are entered separately.
Early Access
Request Origination, Decisions or both. The free tools stay open without a request.