Enter the borrower’s first and last name to save to your pipeline.
The simple way to price a loan.
PRISM — Product Recommendation & Insights for Smart Mortgages
Loan Scenario
Tinted fields are yours to fill in — everything else is calculated.
Enter a purchase price and the premium works itself out.
Enter a purchase price to convert
Property & Jurisdiction
Closing costs follow the state and county.
Enter a purchase price and the taxes work themselves out.
Lock Request Terms
What the rate search is aimed at.
Realtor
NewZip applies a credit in eligible states.
Conventional · 30 Year
No rate picked yet
Payment Info
Closing Costs & Concessions
9 cost lines still unpriced — these totals are low by that much
Enter a purchase price to convert
Enter a purchase price, down payment and funds available to work this out.
Closing Costs
Conventional · No state entered yet
Lender charges
$2,566.00Title & settlement
$0.00Government & recording
$0.00Prepaids
$0.00Escrow reserves
$0.009 lines above have no figure yet, so this total — and the seller concessions needed — are understated.
Debt to Income
Rate Search
Priced live from Optimal Blue
Fill in the scenario and press Get Rates.
Points & Fees Test
ATR/QM limit for the state the loan is priced in
Needs a purchase price and down payment.
2026 limits. Tests the figures on screen, assuming the seller's money pays the lender's charges first. Confirm against the Closing Disclosure.
Warnings
2 to review
- No Rate Yet — Get RatesNote
Payment, points and closing costs stay blank until a rate is priced or typed in by hand.
- Closing Costs IncompleteCheck this
9 closing cost lines have no figure yet, so the closing cost total — and the concessions needed — are understated. The lines are marked below.