65 live features: 22 interactive analysis modules,
7 AI engines, and the competitive-edge and platform muscle that
ties them together. Built for mortgage advisors who sell the strategy, not the rate.
Interactive visual modules that turn one strategy into a story a client can feel.
22 features
Monthly Composition
Why your $3,500 mortgage is cheaper than $2,200 rent.
Visualizes the monthly payment breakdown across Principal, Interest, and Escrows (Taxes plus Insurance). Reframes Principal as forced savings and quantifies the Max Forced Savings amount per option. Surfaces a True Net Cost figure that strips out the wealth-building components from the gross payment.
Solves: Clients who say 'my mortgage is throwing money away.' Renters who think their monthly cost is lower than ownership. Advisors who cannot reframe the rent versus buy conversation in seconds.
See it in the field
Your client says 'I am just throwing money away on a mortgage.' WealthLens shows them $1,200 of every payment is forced savings, $500 is tax benefit. The reframe lands in 8 seconds. They never look at rent the same way again.
True Cost Analysis
Rate is a distraction. Total cost is the truth.
Calculates the cumulative cost of borrowing over any time horizon by summing interest, fees, mortgage insurance, and closing costs. Compares multiple loan scenarios side by side to reveal which option truly costs less when all factors are considered, exposing how a lower rate can actually cost more.
Solves: Clients fixated on rate. Advisors losing deals to competitors who quote a lower rate but hide fees. The industry-wide problem of rate-shopping without understanding total cost.
See it in the field
Your competitor quoted 6.25%. You quoted 6.5%. Your client thinks you lost. But WealthLens shows your option saves them $23,000 over 7 years because of lower fees and no MI. True Cost changes the conversation. Rate does not win. Math wins.
Purchase view Refinance view
Breakeven Horizon
Points or no points? Now you have the exact answer.
Mathematically pinpoints the exact month where monthly savings recoup upfront costs (points, closing costs, MIP). Features a Profit Horizon slider to project cumulative gain beyond breakeven. Works for both purchase (points and MIP) and refinance (all closing costs). Compares multiple scenarios side by side.
Solves: The eternal 'should I buy points?' question. Clients confused by closing cost tradeoffs. Advisors who cannot clearly explain when a refinance pays for itself.
See it in the field
Your client asks 'Should I pay points?' Instead of guessing, you pull up WealthLens and show them: 'You break even in 22 months. After that, you save $340 every single month.' Drag the slider to show them $41,000 in savings over 10 years. That is how you win trust. That is how you close.
Purchase view Refinance view
Interest Strategy
Your client is paying 139% interest. Now you can prove it.
Displays the Total Interest Percentage (TIP) clearly to satisfy compliance and educational needs. Quantifies the lifetime cost of borrowing as a percentage of principal, exposing how 30-year fixed loans typically pay 80% to 140% of principal in interest alone.
Solves: Clients who think the monthly payment is the whole story. Compliance teams who need TIP disclosed cleanly. Advisors who lose objections about long amortization periods.
See it in the field
139% interest. That is what a typical 30-year loan pays over its life. Your client has never seen the number. WealthLens shows it in one chart, then turns the conversation toward strategy: rate buy-down, principal acceleration, or a shorter term. The TIP is not a scare tactic. It is the start of the wealth conversation.
Purchase view Refinance view
Real Cost of Debt
The bank is paying YOU to borrow. Show the math.
Adjusts the nominal mortgage rate for inflation, surfacing the real (inflation-adjusted) cost of borrowing. Often shows the real cost is much lower than the headline rate, sometimes negative once inflation runs above the after-tax real rate.
Solves: Clients refusing to buy because '7% is historically high.' Sophisticated buyers asking inflation-adjusted questions advisors cannot answer. The narrative gap between headline rates and real economic cost.
See it in the field
Your client says '7% rates are too high.' WealthLens shows them after inflation, the real cost of debt is 1.5%, and after tax deduction it is closer to zero. The bank is functionally paying them to borrow. Sophistication wins this argument every time.
Liquidity Safety Valve
Why putting 20% down might be a financial trap.
Compares a smaller down payment with the difference invested as cash reserves against a larger down payment. Highlights the Survival Horizon (months of payments the cash buffer covers) and reveals that liquid reserves prevent foreclosure, not equity.
Solves: First-time buyers convinced they must hit 20% down to avoid PMI. Clients draining their savings into the down payment. Advisors losing deals because the client cannot mentally separate equity from liquidity.
See it in the field
Your client wants to put 20% down to dodge PMI. WealthLens shows them the smaller-down option with the difference held as cash reserves gives them 14 extra months of survival runway in a job loss. PMI costs $180 a month. Foreclosure costs everything. The math is not even close.
Wealth Accumulation
The Turtle Wins: why the 30-year often beats the 15-year.
Projects total net worth over time, combining home equity and the growth of any invested savings or payment difference. Compares 15-year versus 30-year strategies, or any two payment paths, and reveals the long-horizon Wealth Delta between them.
Solves: Clients chasing the 15-year because 'I want to be debt-free.' Advisors who cannot defend the longer term as the wealth-maximizing path. The cultural bias toward debt elimination over net worth.
See it in the field
Your client says 'I want a 15-year loan to be debt-free.' WealthLens runs Wealth Accumulation: the 30-year with the difference invested produces $94,000 more net worth at year 20. Debt-free is a feeling. Net worth is the number that matters. Show them the chart.
Cost of Waiting
Every month they wait costs them money. Now you can prove it.
Quantifies the financial cost of delaying a home purchase. Factors in projected home price appreciation, lost amortization, and forgone tax benefits over the wait period. Compares the cost of waiting against any future rate-drop scenario the client is hoping for. Surfaces an Average Loss figure and an Avg Recoup Time (years to recover the waiting costs even if rates do drop).
Solves: Fence-sitters waiting for 'the right time.' Leads who ghost after getting a rate quote. Advisors who cannot articulate urgency without sounding pushy.
See it in the field
Your prospect says 'I will wait for rates to drop.' WealthLens shows them waiting 6 months just cost them $19,000 in equity and appreciation, with a 31-year recoup time even if rates drop half a point. Not a guess. Not an opinion. Math. Send them the interactive link. Let the numbers do the selling.
Capital Deployment
Where every extra dollar should go for max net worth.
Side-by-side comparison of different capital uses: down payment, mortgage paydown, investment account, cash reserves. Models the long-horizon outcome of each allocation and reveals the optimal mix for a given client's risk tolerance and timeline.
Solves: Clients sitting on cash, paralyzed by 'where should this money actually go?' Advisors recommending payment down without modeling the opportunity cost. The classic 20% down versus invest difference question.
See it in the field
Your client has $80,000 in cash. The default move is to dump it into the down payment. WealthLens runs Capital Deployment: the 10% down plus invest path produces $63,000 more net worth at year 10. One chart turns a habit into a decision.
Tax Benefit
Your real monthly housing cost is not what you think.
Estimates the annual tax savings based on the client's effective bracket and deductible mortgage interest. Translates the savings into an effective after-tax monthly housing cost, often reducing the perceived monthly burden by hundreds of dollars.
Solves: Clients who think the mortgage interest deduction 'does not matter anymore' after the 2017 tax law. Advisors who cannot quantify the after-tax effective payment. Itemizers losing the cash-flow narrative.
See it in the field
Your client thinks the mortgage interest deduction is dead. WealthLens shows them their itemized return saves $4,200 a year, dropping their effective housing cost by $350 a month. The deduction is alive. The narrative is just outdated. Show the chart.
Rent vs. Own
Stop the rate debate. Show the wealth math.
Side-by-side comparison of renting versus buying over any time horizon. Calculates the Net Effective Cost of owning (Payment minus Principal minus Tax Benefit minus Appreciation) and compares it to total rent paid. Visualizes the moment where buying overtakes renting in total wealth, even accounting for maintenance, property taxes, and down payment opportunity cost.
Solves: Clients stuck on the sidelines because they think renting is cheaper. First-time buyers paralyzed by the down payment. Advisors losing deals to the 'wait for rates to drop' mindset.
See it in the field
Your client thinks renting is saving them money. WealthLens shows them the $247,000 in wealth they are giving away over 10 years. One interactive link. No spreadsheets. No arguments. Just the math.
Appraisal Gap
How long until your winning bid is break-even on appreciation.
Two distinct use cases. (a) When the home appraised below contract price: shows how loan structure absorbs the gap without killing the deal. (b) When bidding over asking: time-based math showing how many months until natural appreciation catches up to the aggressive bid.
Solves: Buyers walking from deals over appraisal gaps. Bidding wars where the buyer second-guesses paying over asking. Advisors without a structured framework for either situation.
See it in the field
Your client wins the bidding war by going $20,000 over appraisal. They panic that they overpaid. WealthLens shows them at the local 5% appreciation rate, the home is back to break-even in 14 months. The deal closes. The buyer sleeps tonight. You look like a strategist.
Buydown Strategy Visualizer
The antidote to rate anxiety. And the seller is paying for it.
Visually demonstrates exactly how the temporarily-bought-down payment steps up year over year, while validating the seller subsidy and the underlying compliance flag. Clarifies that the note rate is fixed and only the buyer's effective payment is temporarily reduced.
Solves: Buyers terrified of high-rate environments. Sellers willing to pay for buyer concessions but not understanding the mechanism. Advisors stuck explaining a 2-1 buydown for the third time today.
See it in the field
Your buyer is rate-anxious. The seller is willing to give a concession to close. WealthLens runs Buydown Strategy: the seller subsidizes the first two years, payments step up cleanly, the note rate stays the same, compliance flag clears. Everyone gets what they want. One chart, one conversation, one closed deal.
Refi Strategy Matrix
Your Refi Strategy Matrix says the math works. Here is the proof.
Inverts the traditional refi process. Discovery Mode calculates the exact fee budget given a target recoup horizon, instead of guessing rate then guessing costs. Includes a Presentation Scorecard that grades the resulting strategy across multiple dimensions.
Solves: Refis built backward: pick a rate, hope the costs work, hope the breakeven is short enough. Advisors who lose refi deals because the math is opaque. Clients who do not trust the recoup story.
See it in the field
Your competitor is still building refis backward. You start with the question 'what is the longest recoup my client will accept' and let WealthLens reverse-engineer the fee budget. The Presentation Scorecard grades the result. The client sees the math behind the recommendation. The refi closes.
Refinance view Presentation Scorecard
Liability Optimization
Which debts should roll into this refi. And how much it frees up.
Demonstrates the power of consolidating high-interest household debts into a refinance. Calculates the blended household interest rate before and after, the monthly cash flow improvement, and flags any debts that should NOT be rolled in (low-rate auto loans, student loans on income-driven repayment).
Solves: High-interest household debts that hide in the background. Refis that ignore the debt picture and miss the wealth lift. Advisors who cannot quantify the consolidation case.
See it in the field
Your client has a 6.5% mortgage and $34,000 in credit card debt at 22%. WealthLens runs Liability Optimization: rolling the cards in drops the blended household rate from 11.4% to 6.8% and frees $890 a month in cash flow. The refi pays for itself before they sign the docs.
Wealth Accelerator
How to turn this refi into $X in additional net worth.
Shows the compounded future value of redirecting monthly refi savings (e.g., from a lower payment) into a long-horizon investment account, instead of letting the savings dissolve into lifestyle creep. Models contribution growth at any expected return.
Solves: Refi savings that disappear into discretionary spending within 90 days. Advisors who cannot demonstrate the compounding benefit of disciplined reinvestment. Clients who treat a $300 monthly refi savings as a shopping budget.
See it in the field
Your client refis and saves $340 a month. The default outcome is the savings vanish. WealthLens runs Wealth Accelerator: $340 a month invested at 7% becomes $172,000 in 20 years. The same refi. A different conversation. A different client outcome.
Refinance Cost of Waiting
Waiting 6 months for 0.25% lower often costs more than it saves.
Refinance-specific Cost of Waiting analysis. Quantifies the forgone monthly savings of holding off on a refi while waiting for a hoped-for further rate drop, and calculates the recoup period needed for that future lower rate to actually pay off versus refi-ing now.
Solves: Clients who keep waiting for the next quarter-point drop. Advisors who cannot articulate the math of acting now. The retention nightmare of clients refi-ing with someone else when rates do drop because their original LO never closed the loop.
See it in the field
Your client is waiting for one more quarter-point drop. WealthLens runs Refinance Cost of Waiting: the savings they are forgoing every month adds up to $4,200 over 6 months. Even if rates do drop another quarter point, the recoup period on the lower rate is 18 months. Acting now wins. The math is not even close.
Mortgage Accelerator
A standard 30-year becomes a 22-year wealth-building asset.
Visualizes the exponential impact of small extra principal payments on payoff timeline and total interest paid. Shows the year-over-year payoff acceleration from contributions as small as $100 a month.
Solves: Clients who feel paying off a 30-year mortgage is unreachable. Advisors who cannot make the case for principal acceleration without sounding like a financial advisor. The cultural inertia around making minimum payments.
See it in the field
Your client thinks the 30-year is a 30-year. WealthLens shows them an extra $200 a month turns the 30-year into a 22-year payoff and saves $84,000 in interest. The chart shows it visually. The client gets it instantly. Acceleration is no longer abstract.
Capital Accelerator
Pay down 6.5% mortgage or invest for 7% market return?
Unified view merging Mortgage Accelerator and Wealth Accelerator. Models the net-worth outcome of three deployment strategies: extra principal, invest the difference, or a blended allocation. Useful for clients with surplus cash who want a single chart that captures the full deployment question.
Solves: Clients with idle cash and no framework. Advisors juggling separate Mortgage Accelerator and Wealth Accelerator analyses for the same client conversation. The cognitive load of comparing across two modules.
See it in the field
Your client has $400 a month of surplus cash. The pay-down side says 'extra principal.' The invest side says 'market.' WealthLens runs Capital Accelerator and gives you the blended answer with the actual net-worth math. One chart, one path forward.
ARM Adjustment Outlook
The box the contract builds around an ARM payment, drawn on one chart.
Charts the payment plateau through the fixed period, then a shaded band from the payment if the rate never moves up to the worst case the caps allow, laddered year by year until the lifetime cap pins the ceiling flat. The advisor’s assumed rate draws as its own line inside the band, and a seasoned ARM that already adjusted charts the remaining ladder from today.
Solves: Clients who hear adjustable and imagine an uncapped payment, and advisors stuck explaining caps with a rate sheet and a napkin. The worst case, best case, and planning assumption all lived in different places until now.
See it in the field
Most tools show an ARM as a rate and a hope. WealthLens draws the guardrails: the floor if rates stay put, the contractual ceiling the caps allow year by year, and the line where the advisor actually plans. No rate predictions, ever. The floor and ceiling are arithmetic on the caps in the note, and the middle line is labeled as the advisor’s assumption. Pointed at a client’s existing ARM that already adjusted, the same chart becomes the stay-or-refinance conversation.
Flip Profit & ROI
Show the investor the number that matters: net profit and annualized ROI.
The sell-exit module for a Fix N Flip. Takes the after-repair value, subtracts the all-in cost, interest carry, holding, and selling costs, and shows net profit, ROI over cash invested, and annualized ROI side by side.
Solves: Investors deciding on a deal off a gut feel. Profit math scattered across a spreadsheet. No clean way to show a client the return before they commit the cash.
See it in the field
An investor doesn't buy a payment, they buy a return. Flip Profit & ROI lays out net profit, cash-on-cash ROI, and annualized ROI from the after-repair value down to the selling costs, so the decision is a number on the screen, not a hunch.
BRRRR Exit Analysis
Show how much cash comes back out at the refinance.
The keep-and-refinance exit for a Fix N Flip. Models the Buy-Rehab-Rent-Refinance-Repeat play: after the rehab forces the value up, it shows how much of the invested cash is recouped at the cash-out refinance.
Solves: Investors who want to keep the property but can't see whether the refinance gives their capital back. BRRRR math done by hand. No way to compare keeping versus selling on the same deal.
See it in the field
Not every flip gets sold. BRRRR Exit Analysis shows the investor exactly how much of their cash comes back out at the cash-out refinance once the rehab forces the value up, so they can compare keeping the rental against selling it on the same screen.
AI Engines
Named engines that build, script, watch, and answer, so you walk into every call prepared.
7 features
AI Strategy Architect
Address to strategy in 60 seconds. No data entry.
Conversational AI senior strategist that builds a complete multi-scenario visual mortgage strategy from 1 to 2 natural language questions. 4-phase flow: Discovery, Recommendation, Build Offer, Minimal Build. Auto-populates property data, generates purchase and refinance scenarios, applies competitive rate analysis, and produces a client-ready interactive presentation. Shares context with the rest of the AI mesh so you never repeat yourself.
Solves: 15-minute presentation setup times. New hires who take weeks to learn the system. The 'I do not have time' objection from busy advisors. Manual data entry errors.
See it in the field
Your competitor spends 15 minutes building a presentation. You spend 60 seconds. You tell the AI: 'My client wants to buy a home at 425K with 10% down, compare FHA and conventional.' Done. Full interactive strategy with the full suite of analysis modules ready to send. Your client gets an interactive link on their phone before your competitor opens their spreadsheet.
Advisor Co-Pilot
AI that coaches you through every client conversation.
Advisor-facing AI strategy analysis that lives in the WealthLens IQ panel below every strategy (labeled 'Financial Co-Pilot' in-app; a Pro feature). The advisor clicks 'Run Analysis' to generate it; there is no question box to type into. Optionally pre-tune the read for the client first with the persona buttons: Standard (the default), First-Time Buyer, Analytical, or Investor. The analysis reads the active strategy and returns strategic insights, math-based talking points, a client delivery script, and an Objection Slayer tab. After it runs, fine-tune from the Refine dock: one-tap chips (Shorten Script, Expand Tax Benefit, Focus on Cash Flow) or a free-text box to tell it exactly what to script around or focus on.
Solves: Advisors who freeze when a client asks 'Why should I pick this option?' New hires who lack the experience to articulate complex strategy. The gap between having good data and knowing how to sell with it.
See it in the field
Before the call, you pull up the strategy, tap your client's profile (First-Time Buyer), and hit Run Analysis. Now when they ask 'Why is the FHA option better if the rate is higher?' you already have it: 'FHA builds $34,000 more equity over 7 years because of the earlier MI drop-off. Here's the chart.' You sound like a genius, because you walked in with an AI genius's prep.
Guideline Gary
Compliance and underwriting answers, citation-backed.
RAG-grounded compliance and underwriting AI. Pulls from FHA, VA, USDA, Fannie Mae, and Freddie Mac official sources. Anti-hallucination by design: asks for loan type if ambiguous, returns citation-backed answers, monitors active strategies in the background for compliance red flags.
Solves: Advisors guessing at guideline questions. Compliance teams without a tool that supports advisor self-serve. Hallucinated guideline answers from generic AI tools that put advisors at risk.
See it in the field
Your advisor asks 'can my borrower with a 620 score get FHA cashout to 80%?' Generic AI guesses. Guideline Gary cites the FHA 4000.1 handbook chapter and verse. No hallucinations. No legal exposure. Just the answer, with the source.
Client Concierge
A 24/7 strategist that answers your client's questions and sends them back to you.
A client-facing AI assistant embedded in every share link. It sees the screen the client is viewing, answers their questions around the clock, and refers anything beyond its scope back to the advisor by name.
Solves: Clients who go quiet because a question came up after hours. Advisors fielding the same basic questions by phone. Engagement that dies the moment the advisor logs off.
See it in the field
Your client opens their link at 11pm with a question. Instead of waiting until morning, or calling someone else, the Client Concierge answers right there in the link, and refers anything real back to you by name. You wake up to an engaged client, not a cold one.
Client IQ
Walk into every call already knowing what's on their mind.
Shows the advisor every question a client asked the AI and the answers they got, with high-intent signals like rate-shopping or cold feet auto-flagged URGENT/HOT. Distinct from the Client Concierge the client talks to.
Solves: Blind follow-up calls. Missing the moment a client is ready to move. Advisors guessing at what a client actually cares about.
See it in the field
Client IQ shows you every question your client asked the AI: their fears, the rate they keep poking at. High-intent signals get auto-flagged HOT, so you start the call three steps ahead instead of guessing.
Rate Watchman
Coming Q3 2026
Coming soon: never lose a refi to the lender who calls first.
A retention engine that will monitor each client's rate against the market and alert the advisor the moment a refinance becomes worthwhile.
Solves: Past clients refinancing with whoever calls first. Retention that depends on the advisor remembering to check. Lost refi revenue.
See it in the field
Your past clients refi with whoever reaches them when rates dip. Rate Watchman (coming Q3 2026) will watch every client's rate against the market and ping you the moment a refi actually makes sense for them, so the lender who calls first is always you.
Lens Guide
An in-app guide that knows the screen you're on.
An in-app product-help AI that answers 'how do I' questions, offers pre-built strategy playbooks, and surfaces tips relevant to the screen the advisor is currently on.
Solves: New advisors lost in the interface. Time wasted hunting for features. Slow ramp for new team members.
See it in the field
Lens Guide answers 'how do I…' in plain English, hands you pre-built strategy playbooks, and because it knows the screen you're on, it offers tips for what you're actually doing right now. Productive on day one, not week three.
Competitive Edge
The features nobody else ships: engagement intelligence, co-branded listing pages, live client links.
18 features
AI Copywriter
Context-aware client welcome messages that read the strategy.
Auto-generates welcome messages and narratives that reference the actual scenario cards, active analysis modules, and Sandbox settings. The advisor's own Advisor Note field gets absolute priority and can override any AI suggestion.
Solves: Generic welcome blurbs that ignore the actual strategy. Advisors who do not have time to write personalized intros. Cookie-cutter content that signals to the client 'this was a template.'
See it in the field
You build the strategy. The AI Copywriter writes the welcome message that references the specific scenarios, the modules you turned on, the Sandbox knobs you set. The client opens the link and reads something that sounds like you wrote it for them. Because functionally, you did. The AI just typed faster.
Property Intelligence
Paste any address. Get verified price, taxes, HOA in seconds.
Cross-verifies property data across Zillow, Redfin, Realtor.com, and Vertex AI web verification. Returns a HIGH, MEDIUM, or LOW confidence score with editable results. Works on advisor desktop and mobile (the mobile property scouting flow lets the advisor go from address-to-strategy on their phone).
Solves: Advisors typing property data by hand from three different tabs. Inaccurate data that makes the strategy look amateurish. The mobile workflow gap when an advisor is at an open house.
See it in the field
Your advisor is at an open house. They open WealthLens on their phone, paste the property address, and within seconds the verified price, taxes, and HOA populate. Strategy link generated, sent to the client at the open house. That is not a calculator. That is a workflow advantage.
Interactive Mortgage Analysis
PDFs are dead. Send strategies your clients actually explore.
Every mortgage strategy generates a unique share link that clients open on any device. Clients explore scenarios, adjust numbers in the Sandbox, compare options, and view all 19 analysis modules interactively. The advisor gets real-time notifications when the client opens the link, what they looked at, and how long they engaged. Built-in client AI assistant answers questions 24/7.
Solves: PDFs that never get opened. Zero visibility into client engagement. Clients who 'need to think about it' because the static PDF confused them. Advisors who have no idea if their proposal was even reviewed.
See it in the field
You send a PDF. It sits in their inbox. You follow up. They say 'I have not looked at it yet.' Sound familiar? WealthLens sends an interactive link. Your client opens it at the dinner table, explores their options, asks the AI questions at 11pm. And you get a notification the second they start engaging. That is the difference between hoping and knowing.
Real-time Engagement Tracking
Know the second your client opens the link.
Instant push notifications when a client opens their strategy link. Tracks which modules they viewed, how long they spent on each section, and which scenarios they compared. Real estate agent partners get automated alerts when clients explore specific properties. Advisors can see engagement history for every client.
Solves: Blind follow-up calls. Not knowing if the client even read the proposal. Wasting time chasing unengaged prospects. Missing the hot moment when a client is actively looking at numbers.
See it in the field
Your phone buzzes. 'John Smith just opened his strategy and spent 4 minutes on the Wealth Accumulation module.' You call right now. 'Hey John, I saw you were looking at the long-horizon comparison. Any questions?' That timing wins deals. That intelligence does not exist in any other platform.
Client-Facing Interactive Sandbox
Let your clients play with the numbers. Without calling you.
Interactive adjustment tool embedded in every client presentation. Clients and their real estate agents can adjust home price, down payment, and other variables; on a refinance the client can test different rates or cash-out amounts. All analysis modules update in real time. Changes are delta-based, preserving the advisor's original strategy while letting clients explore. Advisor gets notified of adjustments.
Solves: The 'what if we offered 410K instead of 425K?' phone call at 9pm. Clients who cannot visualize different scenarios without calling their loan officer. Real estate agents who need quick numbers mid-negotiation.
See it in the field
Saturday night. Your client's real estate agent finds a new listing. They adjust the price in the WealthLens Sandbox and the entire strategy updates instantly. Payments, wealth projections, cost analysis. All of it. No call to you needed. And you still get notified Monday morning that they explored a new property. That is how modern advisors work.
Listing Builder
Branded open-house property pages in 60 seconds, with a scannable QR poster and opt-in lead capture, co-branded to you and your real estate agent partner.
Creates branded property landing pages for open houses. Advisors pick a property, add their branding and a real estate agent partner, and publish a clean co-branded page that carries a live, interactive financing strategy for that exact listing. A toggle generates a co-branded, downloadable QR poster for the yard sign or flyer, and every scan is tracked back to the listing. An optional two-field soft-ask lets interested buyers leave their name and email (or phone) without ever gating the financing, and those leads go to the advisor alone, in-app and by email. Builds agent partnerships by giving them co-branded marketing collateral.
Solves: Advisors who cannot get face time with real estate agents. Open houses where the LO has zero presence and zero engagement data. No easy way to turn a showing into a follow-up. Agents who do not see value in their lender partnership.
See it in the field
Your real estate agent partner hosts an open house. You hand them a branded page for that property with your name on it, a QR poster buyers can scan, and a live financing link they can explore on the spot. Every scan is tracked, and the buyers who want a follow-up leave two quick details that land with you alone, in-app and by email. Your agent partner looks like a genius, you get the credit on every page, and WealthLens never contacts the buyer. That is the Listing Builder.
Purchase-to-Refi Conversion
One click. Two years of retention.
Converts any existing purchase strategy into a refinance analysis with one click. Preserves the original client data, current home value trajectory, and equity position. Enables advisors to proactively reach out when rates drop with a ready-made refi strategy instead of starting from scratch.
Solves: Advisors who close a purchase and never talk to the client again. Zero retention strategy. When rates drop, clients call a different lender because their original LO has no quick way to show the refi math.
See it in the field
You closed John Smith's purchase two years ago. Rates just dropped. You click one button in WealthLens and his purchase strategy converts to a refinance analysis. You send him an interactive link with his exact numbers. He does not need to shop around. You already have his strategy ready. One click. That is retention.
First + Second Mortgage (Blended Rate)
Two liens, one scenario, an automatic blended rate.
Models a first and a second lien together in a single scenario and computes the blended rate automatically. On a purchase it compares piggyback structures that sidestep mortgage insurance (80/10/10, 80/15/5, 75/20/5). On a refinance it pairs with the Keep Existing Mortgage toggle so a client can see a HELOC second-lien cash-out next to a full new-first cash-out without disturbing a low first-lien rate.
Solves: Borrowers who default to one big loan and pay mortgage insurance they could have structured around. Refinance clients ready to surrender a low first-lien rate just to pull cash out. Advisors who cannot show a side-by-side of lien structures fast enough to matter in the conversation.
See it in the field
Your buyer is about to take one loan at 90% and pay mortgage insurance for years. You open WealthLens, model an 80/10/10, and the blended rate calculates itself. Same down payment, no MI. Or your refinance client wants cash out and is ready to give up a low first-lien rate to get it. You show them a HELOC second instead, first lien untouched. Structure is the product, and WealthLens makes it visible.
Max Payment Guardrails
Your clients qualify for a payment, not a price. Now they can't forget it.
An advisor-set hard payment ceiling. When a client or their agent tests a home or a sandbox payment above the approved maximum, the link warns them before they fall in love with a house they cannot afford.
Solves: Deals dying on payment shock. Clients shopping by price instead of payment. Agents showing homes that never fit the approval.
See it in the field
A client falls for a house $40k over budget. The second they test it in the link, it trips your approved payment ceiling and warns them before the showing, before the heartbreak. You set the line once; the platform holds it 24/7.
AI Mesh Intelligence
Tell the AI once. The entire system knows.
Shared AI memory across WealthLens: the Strategy Architect, Advisor Co-Pilot, and other engines share the client's context, so the advisor never re-enters the same details.
Solves: Prompt fatigue. Re-explaining the same client to every tool. Disconnected AI features that each start from zero.
See it in the field
The Architect learns the story, Guideline Gary watches compliance, the Co-Pilot writes the script, and they share one brain. You never re-enter the same client details twice. That's not a feature. That's the end of prompt fatigue.
MISMO 3.4 XML Import
Drag in the 1003. Walk out with a full strategy.
Parses a Fannie Mae 1003 (MISMO 3.4 XML) application file into a complete, structured strategy with no manual entry, entirely in the browser, so the file never leaves the device.
Solves: Fifteen minutes of re-typing borrower data. Transposed numbers from manual entry. PII risk from uploading applications to a server.
See it in the field
Drag a 1003 onto WealthLens and every borrower, income source, and liability loads into a complete strategy in seconds. No manual entry, and the file never leaves the browser, so PII never touches a server. Fifteen minutes of typing becomes one drag.
Personalized Video Messages
Put your face in the link, not just your numbers.
The advisor records a short video intro that plays inside the client's strategy link.
Solves: Strategies that feel impersonal. Trust that's hard to build over a static document. Clients who never connect a face to the numbers.
See it in the field
A short video of you explaining the strategy plays right inside your client's link. They don't just see numbers; they hear their advisor. In a business built on trust, that's the difference between a link nobody opens and a strategy they actually watch.
Branded Link Previews
Your client sees your brand before they even tap the link.
The preview card shown when a strategy link is texted or messaged carries the advisor's brand: an advisor-set share image (uploaded once in Profile Settings, auto-fit to the 1200x630 preview frame so even a square logo renders as a clean card), the client's name as the preview title, and a 'Prepared by' line carrying the advisor's name beneath. Falls back to the stock WealthLens card when unset. The link itself stays an opaque token with no client details in the URL.
Solves: Strategy links that preview as a generic software card in the client's messages. The first impression belonging to the tool instead of the advisor. Looking like every other link in a text thread full of Zillow and lender spam.
See it in the field
Every link you text a client shows a preview card before they tap. Upload your brand image once in Profile Settings and every strategy link you ever send leads with YOUR company: your card, your client's name in the title, and 'Prepared by you' right underneath. The first impression happens before the first tap. Now it is yours.
The Scenario Studio
Build, compare, and send. All on one screen.
A single-page advisor workbench to build a scenario, modify it, spin up and compare alternates, and share the link without ever leaving the page.
Solves: Tab-juggling and save-and-reload cycles. Losing your place between building and sharing. Clunky multi-screen workflows.
See it in the field
No tabs, no save-and-reload, no hunting for the share button. The Scenario Studio is one page where you build a scenario, spin up alternates, compare them side by side, and send the link, without ever leaving it.
Agent Property Alerts
Know the second a client, even a quiet one, starts looking at homes.
Alerts the advisor and a connected real estate agent partner every time a mutual client looks up a specific property in their link, including leads who return after going quiet.
Solves: Cold leads who quietly start shopping again with no signal. Agent partners with no visibility into client activity. Missed timing on re-engagement.
See it in the field
A mutual client, or a lead who went cold months ago, opens their link and starts typing in addresses. You and your real estate agent partner get pinged instantly, with the exact homes they're looking at. A 'lost' lead just told you they're back in the market, and the lead came from you.
Interactive Training Center
Learn while you build, on the same screen.
A learning hub with a growing library of on-demand videos plus a picture-in-picture player that floats over the live app, so advisors can watch a walkthrough and do the steps at the same time on one screen.
Solves: New hires who ramp slowly. Training that means stopping work to watch a video. Switching between a tutorial and the app.
See it in the field
A growing library of on-demand videos plus a picture-in-picture player that floats over the live app, so your team watches a walkthrough and does the steps at the same time, on one screen. New hires ramp without ever leaving the workspace.
PWA Install
Install WealthLens like an app, no app store required.
One-click install to the phone or desktop home screen; WealthLens runs like a native app with no App Store or Play Store.
Solves: Chasing a bookmarked link. Digging through browser tabs. App-store friction and approvals.
See it in the field
No chasing a bookmarked link, no digging through tabs. Install WealthLens straight to your phone or desktop home screen and open it like a native app. No App Store, no Play Store, no download approval.
Objection Slayer
Your client said 'I want to wait for rates to drop.' Here's the exact line to read back.
A sales battlecard for objections. The advisor types what the client said, or taps one of 15 canonical objections (rate too high, want to wait, shopping other lenders, want 20% down, and more). The screen returns a four-tier card: a verbatim line to read out loud, three short bullets on why the line works, an open question that hands the conversation back to the client, and pre-loaded one-liners for the two most likely comebacks. Voice modeled on the Advisor-style teaching tradition; peer-to-peer debt strategist, never a closer. Strongest for call prep and return calls, and usable mid-call when the conversation gives the advisor a moment to glance.
Solves: Freezing on 'I want to think about it.' Rebuttal binders and scripts built for the night before, not the call itself. Losing the second call because the first objection was never really answered.
See it in the field
The deal rarely dies on the objection. It dies in the fumbled answer. Before the callback, pull the card for exactly what your client said: the line to read, why it works, the question that hands the conversation back, and the two comebacks you can already see coming. You walk into the return call ready instead of rehearsing in the driveway.
Platform Power
The workbench underneath it all. Import, organize, protect, and move fast.
19 features
Client Intelligence
Smart PMI, live DTI, and rental income, handled before you ask.
A borrower-profile engine with smart PMI, a live DTI calculator with pass/fail badges, and REO rental-income netting built in.
Solves: Not knowing if a file qualifies until you're back at the desk. Manual DTI math. Investment-property income that's tedious to net out.
See it in the field
A live DTI calculator with pass/fail badges, smart PMI, and REO rental-income netting in the borrower profile. You see whether the file works while you're still on the phone, not after you've gone back to the desk.
Client Notes
Case notes that live on the file and never reach the client.
A private, advisor-only note log on every client file: a slide-out panel in the Strategy Editor you can keep open while you work, with a per-note 'AI can see this' checkbox that feeds your Financial Co-Pilot analysis.
Solves: Deal context stuffed into file titles and fields clients can see. Case notes scattered outside the file. Re-telling the AI the same client constraint before every analysis.
See it in the field
Every client file gets a private note log that clients can never see: not on share links, not in PDFs, not in the client chat. Deal context like 'this program doesn't allow temporary buydowns' finally has a home that isn't the file title. And check 'AI can see this' on a note and every Financial Co-Pilot analysis on that file respects it. You tell the AI once, durably.
ARM Rate Step-Up Modeling
Show the client the payment after the ARM adjusts, not just the teaser rate.
Check ARM on a scenario card, enter the fixed period, your assumed rate after adjustment, and optional caps like 2/2/6, and the card shows the recast payment from the first adjusted year. Every long-horizon number on the file (True Cost, Total Interest, net worth) uses the stepped schedule instead of pretending the intro rate lasts 30 years.
Solves: ARM presentations that look identical to fixed-rate ones, where the rate change at year 8 lives only in the advisor's voice-over and the client sees a payment that quietly assumes the teaser rate forever.
See it in the field
Most tools show a 7/1 ARM as a fixed loan with a footnote. WealthLens shows the year-8 conversation: the payment after the adjustment at the rate the advisor assumes, with the contractual cap ceiling one hover away. And the comparison math follows through, so fixed-vs-ARM is honest in both directions. No rate predictions, ever: the assumed rate is the advisor's input and the caps come from the note.
DSCR Loan Support
Investor deals are first-class here, DSCR badge and all.
First-class support for investment-property loans, with the debt-service coverage ratio computed and flagged on a clear badge.
Solves: Investor clients treated as an afterthought. DSCR math done by hand. Tools built only for primary residences.
See it in the field
Investment-property clients aren't an afterthought. WealthLens computes the debt-service coverage ratio and flags it with a clear badge, so you structure investor deals with the same confidence as a primary residence.
Fix N Flip
Size a flip the way a hard-money lender actually does, in seconds.
A first-class Fix N Flip loan type that sizes the deal in two stages: LTV sets the acquisition advance and the derived down payment, while LTC and AR-LTV/LTARV cap total exposure into a financed rehab holdback or out-of-pocket rehab. Interest-only carry, a binding-constraint badge, and both flip exits built in.
Solves: Flip deals sized by hand on a napkin. Guessing which constraint actually binds. Investor clients who take their rehab loan elsewhere because the tool only spoke primary-residence.
See it in the field
Stop sizing flips on a napkin. WealthLens sizes the acquisition advance, the rehab holdback, and the out-of-pocket cash the way a hard-money lender does, and shows you exactly which constraint (LTV, LTC, or LTARV) is binding, so you quote an investor a real structure on the first call.
Co-branded PDFs
When the client wants a leave-behind, it carries your brand, not ours.
White-labeled PDF exports of a strategy, branded with the advisor's name, photo, and a custom disclaimer. The interactive link stays the main event; this is the polished take-home for the client who asks for something to print or forward.
Solves: Advisors who lose the co-marketing moment the second a client wants a document. Generic, tool-branded exports that advertise the vendor instead of the advisor. No clean way to hand off a branded leave-behind.
See it in the field
Your client wants something to print or forward to a spouse. Most tools hand them a PDF stamped with the vendor's logo. WealthLens exports it white-labeled with your name, your photo, and your disclaimer, so even the leave-behind builds your brand, not ours.
Portfolio Dashboard
Your whole book of business, organized the way you actually work.
A pipeline view of every file: Active Pipeline, Leads & Prospects, Closed & Submitted, and an Archive, sortable by date and filterable by purchase, refinance, or client name.
Solves: A database that's really a junk drawer. No clean view of what's active versus closed. Retention files lost in the shuffle.
See it in the field
Every file in one place: an Active Pipeline view, Leads & Prospects, Closed & Submitted, and an Archive, sortable by date and filterable by purchase, refinance, or client name. Your database stops being a junk drawer and starts being a pipeline.
Strike Rate Finder
Give every client a target rate to watch for.
An advisor tool that helps a client set a target refinance rate, their 'strike rate', to watch for. Standalone today, and built to pair with the coming Rate Watchman engine.
Solves: Clients with no clear signal for when to refinance. Vague 'I'll let you know when rates drop' promises. Retention left to chance.
See it in the field
Help your client lock in the exact refinance rate worth acting on, their target 'strike rate', so you both know precisely when to move. Pairs with the coming Rate Watchman engine so the watch never sleeps.
Smart Liability Scanner
Screenshot the liabilities. Don't retype a thing.
Computer-vision import that pulls every creditor, balance, and payment from a credit-report screenshot straight into the file.
Solves: Hand-typing liabilities. Transposed balances and payments. Slow turnaround getting numbers to the client.
See it in the field
Drop in a credit-report screenshot and computer vision pulls every creditor, balance, and payment into the file. No retyping, no transposed digits, just one more way to get the details right and get the strategy to your client faster.
Whitewashing Layer
AI-grade insight. Zero client data exposure.
Client-side PII redaction that strips and masks borrower data on the advisor's device before anything reaches an AI model, a built-in security and compliance guardrail.
Solves: Compliance fear around using AI with client data. Borrower PII leaving the device. Advisors who want AI power without the risk.
See it in the field
Every byte of borrower data is stripped and redacted on your device before anything reaches an AI model. Your clients get the full power of AI; their personal information never leaves your hands. Peace of mind you can put in writing.
Smart Fee Importer
Drop in any Loan Estimate. We'll read the fees.
OCR import of fees and credits from a Loan Estimate or Closing Disclosure PDF into a unified review modal, usable to build your own fee sheet or to pull in a competitor's Loan Estimate for a side-by-side comparison. Pairs with saved fee templates, a default sheet for new scenarios, and per-scenario fees.
Solves: Typing out fee sheets by hand. No fast way to show a competitor's costs side by side. Re-entering the same fees on every file.
See it in the field
OCR a competitor's Loan Estimate into an instant side-by-side comparison your client can actually see, or build your own fee sheet without typing a line. With saved templates, a default sheet for new scenarios, and per-scenario fees, you can show two lenders' real costs side by side in seconds.
AI Quality Feedback Loop
An AI that's watched, graded, and always improving.
A thumbs up/down on every AI response that feeds a live quality pipeline, with admin alerts on negative ratings so AI quality is continuously monitored and improved.
Solves: Black-box AI you can't trust for client-facing answers. No accountability when the AI gets something wrong. Quality that never improves.
See it in the field
Every AI response in WealthLens carries a thumbs up or down. Negative ratings alert our team instantly and feed a continuous quality loop, so the AI you rely on for client-facing answers keeps getting sharper, and someone is always accountable for its quality.
Mobile Property Scouting
An address becomes a strategy while you are still standing in the driveway.
The full address-to-strategy flow on the advisor's phone. Type the address at the open house, Property Intelligence pulls price, taxes, and HOA, and a working strategy exists before the buyer reaches their car. Built for the moments deals actually start: showings, open houses, driveway conversations.
Solves: 'I'll run the numbers when I'm back at my desk,' and by then the buyer's excitement has cooled. The LO who is invisible at the open house. Losing the moment of peak interest to a same-day online quote.
See it in the field
Deals start in driveways, not at desks. Your buyer falls for a house at the open house, and the honest numbers exist while they are still standing in the kitchen. The advisor with the answer on-site beats the advisor who says 'let me get back to you' every single time.
Escrow Setup
Escrow math your closing table will agree with.
A RESPA-compliant escrow setup calculator with custom escrow lines and the aggregate adjustment computed correctly. Cash-to-close estimates carry real escrow math instead of a rounded guess.
Solves: Hand-built escrow estimates that get corrected at closing. The awkward call explaining why cash-to-close moved. Precision-minded clients who lose a little trust every time a number shifts.
See it in the field
Nothing dents client trust like a cash-to-close number that moves at the closing table. WealthLens runs the escrow setup the RESPA way, custom lines and aggregate adjustment included, so the number your client plans around is the number they sign around.
Default Fee Template
Set your fee sheet once. Every new strategy arrives pre-filled.
A set-once default fee sheet that auto-populates on every new strategy: your lender fees, title and government charges, the works. Change it once and every future file starts correct.
Solves: Retyping the same fees on every single file. Quotes that drift between clients because a line got fat-fingered. The tenth minute of setup work on what should be a sixty-second strategy.
See it in the field
You have typed your own origination fee a thousand times. Stop. Set the fee sheet once and every new strategy opens with your numbers already in place, consistent on every file, every client, every time. Setup work disappears and quoting errors go with it.
Itemized Fee Breakdown
Every fee, one click, grouped like the Loan Estimate.
A click-to-open receipt on every scenario card's Closing Costs and Prepaids lines. When the fee sheet is itemized, an info icon opens a Loan Estimate-style breakdown: every fee listed with an item count and total, closing costs grouped into the same lettered sections as the client's LE, prepaids itemized down to the escrow months. It renders on the client share view too, so the client can open it themselves.
Solves: Clients staring at a single five-figure closing-costs number with no idea what is inside it. The 'what am I actually paying for?' phone call. Fee transparency that lives in a disclosure PDF the client never opens.
See it in the field
Your client's Loan Estimate groups fees into lettered sections, so WealthLens shows the same receipt: one click on the info icon next to Closing Costs and every fee appears, grouped the way their paperwork groups it. Itemize your sheet once with the Smart Fee Importer or your Default Fee Template and every card you share answers 'what is in that number?' before the client asks.
Strategy Templates & File Cloning
Your best presentation, reusable in one click.
Save any strategy configuration as a reusable template, and clone a full client file when you want an A/B variant. Your proven first-time-buyer setup or investor comparison becomes a starting point instead of a rebuild.
Solves: Rebuilding the same three-scenario structure for every first-time buyer. Wanting a what-if variant of a live file without touching the original. Great presentations that live and die with one client.
See it in the field
You already built the perfect first-time-buyer presentation. Why are you rebuilding it from scratch on Thursday? Save it as a template, load it for the next client, and spend your time on the advice instead of the assembly. Need a what-if? Clone the file and compare side by side.
Global Strategy Library
Proven strategy blueprints, ready to load.
A curated library of master strategies plus a firm-wide template library. New advisors start from proven structures instead of a blank page, and teams keep every presentation consistent with their best work.
Solves: The blank-page problem for a new advisor's first presentation. Branches where every LO presents differently and quality depends on who the client happened to get. Hard-won presentation know-how trapped in one producer's account.
See it in the field
Your best advisor's presentation structure should not retire when they go on vacation. The Strategy Library puts curated master strategies and your firm's own templates one click away, so the newest LO on the team presents like the most seasoned one.
Rich Text Editor
Welcome messages that read like you wrote them on purpose.
Real formatting in welcome messages and narratives: bold, italics, lists, emoji, with a live preview. The first words your client reads on their strategy look considered, not pasted.
Solves: A premium interactive deliverable that opens with a plain, unformatted wall of text. Wanting to emphasize the one number that matters and having no way to do it.
See it in the field
Your strategy link is polished. Is the welcome note on top of it? With real formatting and a live preview, the first paragraph your client reads matches the quality of everything underneath it, bolded key numbers and all.
See them working on a real file.
Thirty days for a dollar, cancel anytime. Or book fifteen minutes and we map a real client of yours on the call.
Hey, I am Larry, the AI assistant at WealthLens. Ask me anything about the product, pricing, or how it stacks up against the tools you already use. What brought you in today?
