Tools

MBS decision system

Five workbenches for the daily LO flow: rate desk, borrower margin, seller strategy, refi screen, and market temperature.

If a tool does not help an LO decide who to call, what payment is exposed, or what trigger changes the move, it belongs in the archive.

Live

Start with mortgage-vs-Treasury pricing, then move into lock/float and waiting-risk checks when the borrower is exposed.

Source date unavailable

Open rate desk

Use affordability and payment sensitivity to find the payment ceiling before a client shops, floats, or writes an offer.

Open margin check

Compare price cuts, credits, and buydowns, then layer in market temperature for the agent conversation.

Open strategy

Only call refi candidates when savings, closing costs, break-even month, and time-in-home all survive the math.

Open refi screen

Live

Read inventory and leverage before deciding whether the next move is urgency, patience, concession, or structure.

Source date unavailable

Open market read

Secondary

Secondary calculators stay available for deeper comparisons, amortization, rental, and equity scenarios.