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.

Required field

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.
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.

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