Refinance reports
Show a borrower their current mortgage next to one or two refinance options, with savings and break-even math built in.
A refinance conversation lives or dies on one question: "what does this actually save me?" A refinance report answers it visually — the borrower's current mortgage sits beside up to two proposed loans, with the savings math worked out for them.
Create one
Open Clients, pick your client, and click New report. In the report builder, choose the Refinance card under Report type — "Current loan vs. 1 or 2 proposed loans." The type is fixed once the report is created; if you need a purchase comparison or a single-loan breakdown instead, start a new report.
Each proposed loan comes from a closing cost worksheet marked as a refinance — pick Refinance when you create the worksheet, or tick its Refinance? checkbox later. Only that client's refinance worksheets appear in the pickers. Under Refinance loans, choose a worksheet for each slot and give it a short Loan label the borrower will recognize ("30-yr fixed," "15-yr cash-out").
Enter the current mortgage
The Current Mortgage section is what makes the report a refinance story. Enter the remaining balance, monthly payment, interest rate, and months remaining. Optionally break the payment down — principal & interest, homeowner's insurance, real estate taxes, mortgage insurance, HOA dues — and add a total for monthly consumer debts if you're pitching debt consolidation. These fields drive every savings figure on the report.
The savings framing
The live preview shows what the borrower will see:
- Savings summary — the monthly payment difference against the current mortgage, with the total savings spelled out.
- Debt consolidation summary — the alternative headline when the refi rolls consumer debt into the loan, ending in a net savings figure. You can show one of these two summaries, not both.
- Savings over 60 months — interest saved over the next five years compared to the current mortgage.
- Monthly payment difference and monthly payment breakdown charts, plus a comparison table with a Refinance/Payoff row in place of a purchase price.
- Buydown breakeven analysis — how paying points changes the monthly savings, total savings, and time to break even.
The Include rows and Include charts checkboxes control what appears in the online report, and each chart's help text is editable. The downloaded PDF always uses a standard layout. See the report builder for the full tour.
Save, send, and view
Click Save report to keep it — it's titled "Refinance Report for" your client by default, and you can rename it in the Theme & title section. Saved reports live on the client's Reports tab and on the Reports page in the sidebar.
Click Send to email it (the button appears once the client has an email address on file). The borrower gets the PDF attached plus a link to the online version, and you're CC'd. The online link asks the borrower to confirm their email address before the report opens — it only unlocks for the client's email address (or yours). More in sharing reports with borrowers.
Saved reports of all types count toward your plan's report allowance; Max is unlimited. Details are on the pricing page.