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.

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

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

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

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

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

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Secondary

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