Find a smarter
monthly payment.

Compare client debts against published home-equity product rules, document the assumptions, and produce a clear scenario report in minutes.

Home & Mortgage

Credit Cards & Loans

Enter the required monthly payment, not what the client voluntarily pays.
Decision-support estimates only. This tool does not make credit decisions or guarantee eligibility.
Scenario comparison
Consumer debt—
Monthly debt payments—
Back-end DTI—
Gross home equity—

Lender scenarios for banker review

Payments use the selected fully amortizing comparison term and are not quotes. Use “Create client email” on one selected bank to explain only that option.
Comparison method: scenarios are ordered by criteria fit, then modeled monthly savings. “Review required” means a missing or failed criterion—not a decline. No score in this report is a credit score or underwriting decision.
Important: This is a banker decision-support worksheet, not an approval, disclosure, Loan Estimate, or personalized quote. Home-equity products are secured by the client’s home; default can lead to foreclosure. Variable rates and payments may rise, and extending repayment may increase total interest. Validate all figures and provide institution-required disclosures before client use.

Lender rule library

Only rules that can be supported by lender-published material are treated as hard rules. Unknown underwriting fields remain unknown rather than being invented.

MyRate.Homes · Sources reviewed August 20, 2026

Client email template