Market Intelligence
Daily Market Intelligence
Live rates & news from MortgageNewsDaily.com ↗ · AI-powered commentary
🤖 AI Market Commentary ⚠ Lock Advised
Click "Refresh AI Analysis" above — AI will read today's live MND rates and generate a personalized rate outlook and lock/float recommendation.
Reading MND data and generating market analysis…
Lock / Float Advisor
AI-powered recommendation for your client's scenario
Client Scenario
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🤖 Lock / Float Analysis
Analyzing rate momentum and pipeline risk…
Enter client details above and click "Get Recommendation"
Equity Reports
Generate a branded homeownership digest for any client — market value is calculated from purchase price × annual appreciation compounded over years owned
Homeowner Profile
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How market value is calculated: Purchase Price × (1 + Annual Appreciation %) ^ Years Owned. This is an estimate — enter a custom appreciation rate based on your local market or a recent AVM/appraisal. National avg is ~4–5%/yr; Southern CA coastal markets often run 6–8%.
Generating homeownership digest…
Enter homeowner details and click "Generate Report" to create their monthly digest.
Mortgage Payment Calculator
PITI + PMI — shareable branded output
Loan Details
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20%
%
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Estimated Monthly Payment
$—
per month
Principal & Interest$—
Property Tax$—
Insurance$—
PMI (if applicable)$0
HOA$0
Loan Amount$—
Total Interest Paid$—
Total Cost of Loan$—
Affordability Calculator
Full PITI analysis — income qualification, loan program selection, and payment breakdown
👤 Borrower Profile
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🏦 Loan Program & DTI Guidelines
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🏠 Property Details
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📋 Monthly Cost Components
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Enter the monthly MI/MIP/PMI amount for this loan. Set to $0 if no mortgage insurance applies (e.g. VA, 20%+ down Conventional).
MAXIMUM PURCHASE PRICE
$—
Conventional · 30 Years · 6.875%
Loan Amount$—
Down Payment$—
Front-End DTI—%
Back-End DTI—%
💰 Full PITI Breakdown
Principal & Interest $—
Property Tax $—
Home Insurance $—
Mortgage Insurance (PMI) $—
HOA $0
Total Monthly PITI $—
📊 Qualification Summary
Enter borrower details to calculate affordability.
Front-End DTI—%
Back-End DTI—%
🧾 Estimated Upfront Costs
Down Payment$—
Est. Closing Costs (2–3%)$—
Upfront MIP/Funding Fee$0
Total Cash Needed$—
Loan Program Comparison
Select programs to compare — fully editable rates and inputs
Scenario & Program Selection
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Select Programs to Compare (choose any combination)
Editable Rate Overrides (LO customizable — 3 decimal precision)
📋 Full Comparison Table
Buy vs. Rent Wealth Builder
10-year net worth comparison
Scenario Inputs
Home Price$550K
Down Payment10%
Interest Rate6.875%
Current Rent$2,800
Appreciation Rate3.5%
Annual Rent Increase4.0%
10-Yr Equity (Buy)
$—
10-Yr Rent Paid
$—
Net Worth Gap at Year 10
$—
advantage to buying
Net worth comparison chart.
Cost of Waiting
What does it cost if your client waits 6–12 months?
Current vs. Future Scenario
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Future Assumptions (6–12 months)
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✅ Buy Now
Home Price$500,000
Loan Amount$400,000
Monthly P&I$—
⏱ Wait 6–12 Months
Home Price$—
Loan Amount$—
Monthly P&I$—
$—/mo more
extra per month if they wait
extra paid over 5 years
Debt Consolidation Analyzer
Show monthly savings from rolling debts into a cash-out refi
Mortgage Details
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Monthly Debts to Consolidate
Description
Balance
Mo. Payment
Refinance Impact Summary
New Loan Amount$—
New Monthly Mortgage$—
Total Monthly Debts (now)$—
Monthly Savings$—
Annual Savings$—
5-Year Savings$—
LTV After Refi—%
Rate Buydown Modeler
2-1 Buydown, Permanent Points, ARM vs Fixed
Base Loan
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%
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Extra Payment Calculator
How additional monthly or lump-sum payments shorten the loan and save interest
Loan Details
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%
Extra Payment Options
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With Extra Payments — Impact Summary
Original Payoff
30 yrs 0 mo
New Payoff
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Time Saved—
Original Interest Cost—
New Interest Cost—
Total Interest Saved —
Year-by-Year Paydown
Amortization comparison chart.
Amortization Schedule Preview
Year Balance (Standard) Balance (Extra Pmts) Interest Saved YTD
Refinance Analyzer
Current loan vs up to 5 custom refi scenarios — breakeven, savings, and lifetime cost
Current Loan Details
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%
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📋 Refinance Scenarios (enter your quoted rates — toggle scenarios on/off)
Scenario 1
Scenario 2
Scenario 3
Scenario 4
Scenario 5
📊 Full Comparison Table
Monthly Payment Comparison
Refinance chart.
Interest Only Calculator
IO payment vs. fully amortizing — payment shock analysis & full schedule
Loan Details
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How it works: During the IO period you pay interest only — no principal reduction. When the IO period ends, the remaining balance fully amortizes over the remaining term, causing a payment increase (payment shock).
Payment Comparison
IO Monthly Payment
$—
First 5 years
P&I Payment After IO
$—
Remaining years
Monthly Payment Increase$—
Payment Shock %—%
Total Interest (IO Period)$—
Total Interest (Full Loan)$—
Balance at IO End (no principal paid)$—
Balance & Payment Timeline
IO payment timeline chart.
Year-by-Year Schedule
Year Phase Payment Balance Int. Paid
Closing Cost Estimator
TILA tolerance buckets — CA & AZ counties — simplified GFE summary
Transaction Details
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Zero Tolerance — Cannot increase at all
10% Tolerance — Total can increase up to 10%
No Tolerance — May change freely
Section A — Origination Charges Zero Tolerance
Fee Description
Amount
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$
$
$
$
Section A Subtotal$—
Section B/C — Services 10% Tolerance
Appraisal Fee$—
Credit Report$65
Flood Determination$12
Tax Service Fee$85
Title — Lender's Policy$—
Title — Settlement/Escrow$—
Recording Fees$—
Section B/C Subtotal$—
Section E — Transfer Tax Zero Tolerance
Documentary Transfer Tax$—
Section E Subtotal$—
Section F/G — Prepaids & Escrow No Tolerance
Prepaid Interest (15 days)$—
Homeowner's Insurance (12 mo.)$—
Property Tax Escrow (3 mo.)$—
Section F/G Subtotal$—
Estimated Cash to Close
$—
total estimated closing costs
Down Payment$—
Total Lender Fees (Zero Tol.)$—
Total 3rd Party (10% Tol.)$—
Prepaids & Escrow$—
Total Cash to Close $—
📍 County Data Used
Select a county above to see recording fee details.
⚠️ TILA Tolerance Notes
Zero Tolerance fees (Section A & E) cannot increase from the Loan Estimate to the Closing Disclosure. 10% Tolerance fees (Section B/C) can increase but the total cannot exceed the LE amount by more than 10%. No Tolerance fees (Section F/G) can change without limit. Always verify recording and transfer tax fees with title/escrow before issuing a Loan Estimate.
Cost Analysis
Full loan cost summary — all 8 required fields including APR, C/O Amount & Monthly Savings
Loan Details
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Current Loan (for Savings Comparison)
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Cost Analysis — Client Name
New Monthly Payment
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Property Value$—
Loan Amount$—
Interest Rate (Note)—%
APR (incl. fees) —%
Loan Term—
Cash-Out Amount$—
Monthly Savings $—
Full Cost Breakdown
P&I Payment$—
Total Interest (life of loan)$—
Total Lender Fees$—
Total Cost of Loan (Int + Fees)$—
LTV—%
Down Payment$—
ℹ️ APR Explained
APR (Annual Percentage Rate) includes the Note Rate plus lender fees spread over the loan term. It represents the true cost of borrowing and is required on all TRID disclosures. A higher APR vs Note Rate indicates more fees rolled in.
Note Rate—%
Origination Fee$—
Other Lender Fees$—
APR—%
💰 Monthly Savings Detail
Old Payment + Debts$—
New Monthly Payment$—
Monthly Savings$—
Annual Savings$—
5-Year Savings$—
DD Home Loans
Daniel D. · NMLS #000000
Fee Templates
Set your master lender fees — auto-populate across all calculators
🏦 Lender Fees (Zero Tolerance)
These fees cannot increase from Loan Estimate to Closing Disclosure. Set your standard amounts here.
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🔍 Third-Party Fees (10% Tolerance)
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🏛 Title & Escrow Estimates
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📅 Prepaids & Escrow (No Tolerance)
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✅ Template Saved
All closing cost and cost analysis calculators updated.
How it works: When you click Save Template, these values automatically update the Closing Cost Estimator and Cost Analysis tab. No need to re-enter fees on each calculation.
Preview — Standard Fee Set on $500,000 Loan / $625,000 Value
LO & Partner Profile
Upload photos and logos — auto-applied to all shared materials, flyers, and print outputs
👤 Loan Officer Information
DD
Profile Photo
Appears on all shared materials and print outputs
No Logo
Branch / Company Logo
Optional — replaces or supplements NWL logo on materials
🤝 Referral Partner / Co-Marketing
Referral partner info appears on all co-branded materials — open house flyers, print outputs, and shared analyses. Update per transaction as needed.
?
Partner Photo
No Logo
Partner Brokerage Logo
👁 Co-Branded Material Preview
DD
Daniel D.
Loan Officer · DD Home Loans
NMLS #000000
daniel@mylenderdd.com
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Referral Partner
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This preview updates live as you type. This layout appears on all print outputs, share modals, and flyers.