SAMPLE NUMBERS ONLY - NOT A QUOTE OR OFFER - CONCEPT MOCKUP
OFFICER WORKSPACE - YOUR LOAN FILES (SAMPLE DATA). Prototype: edits are kept on this device only. No sign-in, sharing or shared storage is built.
Loan files
Edits are saved in this browser on this device only. Not backed up, not shared, not synced. Reloading keeps your edits and the source labels of imported rates, but marks them unconfirmed and clears rate confirmations (re-confirm each file). Clear saved data
Open a file to edit its options. A real version would show the borrower only the proposal view of one file. This mockup has no access control. Chips are a quick count of 9 basic loan inputs, not a readiness check. Fictional names and addresses only.
Sample proposal
$0
Principal, interest, taxes and insurance as entered only. Excludes mortgage insurance, HOA and other applicable charges. Not your full monthly housing cost.
Compare your options
Monthly payment breakdown
Cash to close - partial list
Funds and reserves
Loan summary
Illustrative figures from fictional sample inputs. Not a Loan Estimate, rate lock, commitment to lend, or quote. Real disclosures, licensing details and approvals are placeholders to be supplied by the loan officer's company.
Option details
Rate, points and payment choices
FICTIONAL PLACEHOLDER RATES AND POINTS. Not from any rate sheet, not a list of rates available to you, not a quote.
Compared with the shown rate
Step by step
Monthly payment by rate
OFFICER WORKSPACE - EDITOR ONLY. In this mockup this is only a separate screen; it is not access control.
Live option summary DEMO
Tap an option to make it the one the borrower sees first. Numbers update as you edit the inputs below.
Import application file PLANNED - NOT BUILT
Later phase: import a "3.4 FNMA" application file and pull only the loan amount and purchase price into this file, shown to you for review before anything is applied. Exact format not verified yet. Nothing here reads files today and no customer application should be loaded in this mockup.
1. Property and loan inputs DEMO
Blank means not entered. Blank is never treated as $0.
Type the rates and the points figure you want the borrower to compare for each option (up to 200 rows; 5 are shown to start, use Extend, Less or Collapse to change how many rows show, or paste or upload to fill them all). Tap Select on the row you want shown on the main card. Typed or pasted by you; changing anything clears the rate confirmation. Rates may be typed exactly (for example 6.999). "Hide" removes a row from everything the borrower sees (table, chart, comparisons, steps); the row stays here and you choose each one.
Option 1 - 30-yr fixed
Banks differ and change. Pick one for each option; nothing is assumed.
Use this only if the figures typed below do NOT already include your commission. Points per row = (figure + commission) % of the loan amount. Applies to Option 1 only. Example: a fraction of 0.015 in a spreadsheet is typed as 1.5. Nothing is pre-filled. Whether and how this must be disclosed to the borrower is not decided here.
The main card uses the points entered for its exact rate in this table. If no row matches, it says points are missing; it never assumes $0.
Rate %
Figure % of loan (credit = negative)
Borrower
Option 2 - 15-yr fixed
Banks differ and change. Pick one for each option; nothing is assumed.
Use this only if the figures typed below do NOT already include your commission. Points per row = (figure + commission) % of the loan amount. Applies to Option 2 only. Example: a fraction of 0.015 in a spreadsheet is typed as 1.5. Nothing is pre-filled. Whether and how this must be disclosed to the borrower is not decided here.
The main card uses the points entered for its exact rate in this table. If no row matches, it says points are missing; it never assumes $0.
Rate %
Figure % of loan (credit = negative)
Borrower
Option 3 - 30-yr with points
Banks differ and change. Pick one for each option; nothing is assumed.
Use this only if the figures typed below do NOT already include your commission. Points per row = (figure + commission) % of the loan amount. Applies to Option 3 only. Example: a fraction of 0.015 in a spreadsheet is typed as 1.5. Nothing is pre-filled. Whether and how this must be disclosed to the borrower is not decided here.
The main card uses the points entered for its exact rate in this table. If no row matches, it says points are missing; it never assumes $0.
Demo reads one simple CSV on this device (columns: program, term, rate, price). It does not read PDF or Excel, any real lender's layout, adjustments or lock periods, and it computes no pricing. Nothing is uploaded anywhere. You still type the lender, date and adjustments, then confirm.
3. Title fee estimate DEMOAUTO-LINK NOT ESTABLISHED
These fee, title, prepaid, tax and insurance figures belong to Option 1. Each other option has its own under it (Same copies Option 1 once, Different is typed separately).
Automatic fee import is not built, and no integration or permission has been established. Typing a number here sends nothing anywhere.
4. Funds and reserves DEMO
Typed by you. Nothing is inferred or checked against any lender rule. Reserves are assets that must remain after closing, they are not paid at closing. Each option has its own required reserves under it (Same copies Option 1 once, Different is typed separately). The borrower types the funds they say they have in their own view.
Qualified funds are the amount you typed, not the borrower's own figure. The borrower's reported funds appear separately in the borrower view and are never used as qualified.
5. Status and history PLANNED
Planned: who changed what and when, plus saved versions. Not in this mockup.
Change any field and the borrower view recalculates instantly. Both screens are on one device and nothing is saved. A real version needs shared storage and separate officer/customer sign-in, not built.