Every feature. One platform.

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.

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.

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.

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.

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.

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 Runway (months of payments the cash buffer covers) and reveals that liquid reserves prevent foreclosure, not equity.

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.

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).

Put more cash down, or keep it working? The net-worth math, side by side.

Compares the options on the deck by how much cash each one puts into the house. The cash a smaller down payment keeps free is modeled as invested at the deck's return rate, the higher monthly payment that comes with it is charged against it, and the chart tracks each option's net worth year by year. Max Investable shows the most cash any charted option frees, and the verdict names the option ahead at the horizon year the advisor picks.

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.

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.

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.

The antidote to rate anxiety, eased in one year at a time.

Reads the temporary buydown set on the selected purchase card and lays out the year-by-year table: the reduced rate and payment in each eased year, the note-rate payment after, the total subsidy, and whether a seller-paid share that size sits within the interested-party limit. The note rate is fixed; only the first years' payments are reduced, and the card, the module and the PDF always agree.

Your Refi Strategy Matrix says the math works. Here is the proof.

Inverts the traditional refi process. The Discovery Builder 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.

What rolling the debts into this refi does to the household rate. 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 how much that frees up to reinvest. The advisor marks which of the client's debts the refinance pays off; the module shows the effect of that choice.

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.

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.

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.

Pay down 6.5% mortgage or invest for 7% market return?

Unified view merging Mortgage Accelerator and Wealth Accelerator. The same extra dollars run down two paths on one chart: extra principal on the mortgage, or invested at the market return. It compares net worth at the year the advisor measures and names the path that comes out ahead, and by how much. Useful for clients with surplus cash who want a single chart that answers the pay-down-or-invest question.

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.

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.

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.

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.

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). 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.

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.

A 24/7 strategist that answers your client's questions and sends them back to you.

A client-facing AI assistant embedded in the share link (the advisor can turn it off). It knows the options on the client's strategy and their numbers, answers their questions around the clock, and refers anything beyond its scope back to the advisor by name.

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.

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.

An in-app guide that knows the screen you're on.

An in-app product-help AI that answers 'how do I' questions, walks the advisor step by step through building common strategies (an appraisal gap, a debt consolidation, a temporary buydown, and more), and offers Guided Tours and tips for the screen the advisor is currently on.

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 note (the 'Anything else to include?' field) gets top priority: the AI weaves it in first.

Paste any address. Get verified price, taxes, HOA in seconds.

Pulls property data for any address, checking property records against live listings on Zillow, Redfin, and Realtor.com with AI web verification. The advisor sees the listing status (Active, Pending, an automated value estimate, or not found), a note when it had to estimate, and can edit every result. Works on advisor desktop and mobile (the mobile property scouting flow lets the advisor go from address-to-strategy on their phone).

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 work through every analysis module the advisor turned on, interactively. The advisor gets an email alert when the client opens the link, and sees a view count on every link and when each file was last viewed. Built-in client AI assistant answers questions 24/7.

Know the second your client opens the link.

An email alert when a client opens their strategy link, a view count on every link, and a Last Viewed time on every file in the portfolio. When the advisor sends a Personal Message, the file shows whether the client played it and how far they watched. When a client looks up a specific property inside their link, the advisor gets an email, and so does the client's real estate agent when the advisor turns on agent alerts for that file. Advisors can see at a glance which clients are engaging and which have gone quiet.

Let your clients play with the numbers. Without calling you.

Interactive adjustment tool embedded in every client presentation. On a purchase, clients and their real estate agents can adjust the price and the down payment; on a refinance, the client can test a different rate or loan amount, for example a larger or smaller cash-out. The advisor chooses which controls are on. All analysis modules update in real time. Changes are delta-based and never saved to the file, preserving the advisor's original strategy while letting clients explore.

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.

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.

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.

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.

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.

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.

Paste the link. Keep the work.

Rebuilds a whole loan comparison from a client-facing share link: every option becomes a scenario card carrying its rate, term, price and itemized closing costs, plus the current mortgage and the client's debts on a refinance.

Put your face in the link, not just your numbers.

The advisor records a short video or voice intro, the Personal Message, that plays inside the client's strategy link, and the file shows whether the client played it and how far they watched.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Set the 2-1 on the card itself, so the client sees the eased years where the payment lives.

Each purchase scenario card carries its own temporary buydown. Pick None, 1-0, 1-1, 2-1 or 3-2-1 under Loan type and the card does the rest: the loan badge names the structure, the P&I breakdown lists each reduced year with its rate and payment, a payment ladder under the total monthly payment draws the eased years beside the note-rate years with the buydown cost and whether a seller-paid share that size sits within the concession cap, and Cash to Close always shows a Buydown Cost row on a card with a buydown. The headline payment stays at the note rate, nothing fills in a credit for whoever funds it, and the Buydown Strategy module and the PDF read the same card.

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.

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.

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.

Your whole book of business, organized the way you actually work.

A pipeline view of every file, grouped into Active Pipeline, Leads & Prospects, and Closed / Submitted, with Archived Files on their own tab. Sortable by client name or date modified, filterable by purchase or refinance, and searchable by client name or property address.

Screenshot the liabilities. Don't retype a thing.

Computer-vision import (the Smart Import button on the client profile's Liabilities tab) that pulls every creditor, balance, and payment from a credit-report screenshot straight into the file.

AI-powered imports that scrub borrower identifiers first.

Server-side PII redaction for document imports. When an advisor imports a fee sheet, a credit report, or a mortgage statement, WealthLens's own backend strips Social Security numbers and street addresses in their common formats, and borrower names wherever the document labels them, before any of the text reaches an AI model, and the AI audit log never stores the document text. A built-in security and compliance guardrail.

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.

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.

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.

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.

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.

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.

Drop in the mortgage statement. The Current Mortgage card fills itself.

On a refinance, click Import from statement on the Current Mortgage card and upload or paste the client's mortgage statement (PDF, PNG, JPG; other image types are converted in the browser). The statement is read inside a private AWS pipeline with client PII redacted before any AI model sees it, and every field it carries comes back into a review panel: balance, rate, P&I, mortgage insurance, property taxes and home insurance when itemized, next due date, maturity date, original amount, servicer. An escrow amount the statement does not split is named in a note, never stored. You confirm each row, a value you already typed is never overwritten, and the panel tells you which rows still need manual entry, such as taxes, insurance, or MI when the statement does not itemize them.

Give the card what the statement prints. It solves the rest.

The Current Mortgage card takes what a statement actually carries, the balance, the rate and the monthly P&I, or a maturity date, and solves the rest: remaining term, payoff date, and when the original amount is known, the start date and original term. Derived values show as read-only readouts and grey placeholders, never overwriting a typed field. Soft flags call out two inputs that disagree, a payment that does not amortize at the rate, or an interest-only loan. A helper adds the statement's principal and interest lines into the Monthly P&I. A payoff model keeps the statement balance separate from an estimated payoff (per-diem interest to the deal's closing date) and the quoted payoff from the servicer, mirrored read-only onto every option card. Mortgage Accelerator, Capital Accelerator, Refinance Cost of Waiting, Refi Strategy Matrix, the client report, the PDF, and the AI narrative all read the current loan from the same numbers, and a current second lien accepts interest-only months left.

The amortization schedule your client can actually watch you change.

Every scenario card carries a Schedule strip. Open it and a month-by-month amortization schedule appears in a floating panel you can drag, resize, and open beside another card's schedule for a true side by side. Build up to three Payoff Plans on the same loan out of four rules: Extra monthly, One-time lump, Annual lump, and Match a payment. Match a payment is the one advisors reach for most, because it keeps the borrower paying the number they already pay: it targets principal and interest only, so it switches itself off when a temporary buydown ends and the scheduled payment catches up. Toggle Yearly or Monthly rows, Per period or Running totals, and on a current mortgage From today or Full history. Pin the rows that matter, hit Print, or tick Include yearly schedules in the PDF to add a landscape schedule page per card to the client deck. On a refinance option card, Keep your old payment builds the plan for you; in the plan builder, Try as a bigger down payment turns a lump into a down payment instead so you can compare the two. Clients see the schedule read-only on the share link.

Show the value the loan is really sized against, and say why.

On a refinance, every option measures its LTV against one number, the Property Value on the Current Mortgage card, so a client comparing four options is never asked to reconcile four different worths for one house. Value for LTV breaks that tie for a single option when the option is genuinely sized against something else. Tick Override on the card, enter the value, and pick a reason: After Renovation, New Appraisal, or Updated AVM. The reason is required and prints beside the number on the card and on the client PDF, so the card sources its own ratio. It works in both directions, so an appraisal that came in under the estimate is the same two clicks. What it deliberately does not do is touch anything but the ratio. Equity, appreciation, taxes, insurance and every net worth projection keep using today's value, so no chart credits a renovation's gain to the refinance that happened to follow it.

Down payment assistance that funds the cash, not a smaller first lien.

Tick DPA on a purchase card's second lien and the assistance stops coming out of the first lien and starts funding the cash side, which is how these programs actually work. The first lien stays at the full program LTV, the Down Payment field holds the program's required down payment rather than the borrower's own cash, and the assistance appears as a source in Cash to Close under whatever you label it, such as MSHDA. Tick Deferred for a zero percent, no-payment second: no phantom monthly payment inside the housing payment, no blended rate badge, and the balance sits flat in the projections because it is owed at sale rather than amortized. Leave Deferred unticked for a repayable program and enter its rate and term. CLTV now prints beside LTV whenever a second lien carries dollars, and on an assistance deal it can read above one hundred percent, which is the honest number. There is no field for the borrower's own money because Cash Required already is it.

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.

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.

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.