Send it to every buyer before you start showing homes. You see their results right away.
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Recent buyers
Each buyer's latest step
Your reports
Pinned reports
Pinned reporting
Your dashboard reports
Live views selected from Custom Reports.
Calculators
Mortgage payment, DTI, affordability, cash to close, LTV, DSCR, rate buydowns, refinance comparison, income analysis, and local property tax lookup.
$
$
%
$
%
years
$/year
Property tax figures are estimates only. Always confirm the exact amount with your county assessor and your Loan Officer before closing.
%
$/year
$
$0.00
Your estimated monthly payment.
Monthly Tax Paid:$0.00
Monthly Home Insurance:$0.00
Loan Breakdown
Yearly Amortization Schedule
Year
Interest
Principal
Balance
Mortgage Details
Loan Amount:$0
0%
Down Payment:$0
0%
Total Interest Paid:$0
0%
Monthly Vs Bi-Weekly Payment
$0.00
Monthly Payment
$0.00
Bi-weekly Payment
Debt-to-income compares monthly debt payments with gross (pre-tax) monthly income. Front-end uses the housing payment only; back-end adds every other monthly debt.
Gross monthly income
$
$
$
Proposed housing payment
$
Monthly debts (minimum payments)
$
$
$
$
Other debts include personal loans, child support, alimony, and payments on other properties. Leave out utilities, phone, and insurance premiums.
0.00%
Back-end DTI (total debts ÷ gross income)
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Front-end DTI (housing only):0.00%
Total gross monthly income:$0.00
Other monthly debts:$0.00
Total monthly obligations:$0.00
Room under the program limit
Max housing payment at this limit:$0.00
Payment room vs. proposed:$0.00
Guideline limits are typical starting points. Automated underwriting (DU/LP/GUS) can approve higher ratios with strong credit, reserves, or other compensating factors. Confirm with your Loan Officer.
Estimates the highest home price that keeps the payment inside both the front-end and back-end DTI limits you set.
Borrower
$
$
$
Loan
%
years
%
%
Housing costs
% / yr
$
$
% / yr
PMI is added only when the down payment is under 20% of the price.
$0
Estimated maximum home price
—
Loan amount:$0.00
Down payment (% of price):$0.00
Estimated monthly payment
Principal & interest:$0.00
Property tax:$0.00
Home insurance:$0.00
PMI:$0.00
HOA:$0.00
Total payment:$0.00
Ratios at this price
Front-end DTI:$0.00
Back-end DTI:$0.00
Limited by:$0.00
This is an estimate for planning, not a pre-approval. Actual buying power depends on credit, program, reserves, and underwriting. Confirm with your Loan Officer.
Estimates the funds a buyer needs at closing: down payment, closing costs, prepaids, and escrow deposits, minus deposits and credits already applied.
Purchase
$
%
%
Closing costs
$
$
Prepaids & escrow deposits
$
$
months
months
days
Deposits & credits
$
$
$
$
$0.00
Estimated cash to close
—
Loan amount:$0.00
Down payment:$0.00
Closing costs:$0.00
Prepaid interest:$0.00
First-year insurance premium:$0.00
Escrow deposits (tax + insurance):$0.00
Total costs:$0.00
Earnest money already paid:$0.00
Credits (seller, lender, other):$0.00
Cash to close:$0.00
Figures are estimates. The Closing Disclosure from the lender is the final number. Seller credits are capped by program (often 3–6% on conventional/FHA) and cannot exceed actual closing costs and prepaids.
Loan-to-value compares the loan with the property value. For purchases, lenders use the lower of the price or the appraised value.
Property
$
$
For a refinance, enter the appraised value in both fields.
Loans
$
$
$
$
0.00%
Loan-to-value (LTV)
—
Value used:$0.00
CLTV (all loans, HELOC balance):0.00%
HCLTV (all loans, full HELOC line):0.00%
Equity / down payment:$0.00
Key thresholds
Loan amount at 80% LTV (no PMI):$0.00
Pay down to reach 80%:$0.00
Loan amount at 97% LTV:$0.00
Maximum LTV varies by program, occupancy, property type, and credit. Confirm limits with your Loan Officer.
DSCR = Gross Monthly Rental Income ÷ PITIA. Most Non-QM DSCR programs want at least 1.00–1.25.
$
$
%
years
$
$
$
Property tax figures are estimates only. Always confirm the exact amount with your county assessor and your Loan Officer before closing.
0.00
DSCR Ratio
—
Monthly P&I:$0.00
Monthly Tax + Insurance + HOA:$0.00
Total PITIA:$0.00
$
%
years
The buydown cost is what a seller or lender typically funds upfront to subsidize the reduced-rate years.
$0.00
Total Buydown Cost (funded upfront)
$
%
Property tax figures are estimates only. Always confirm the exact amount with your county assessor and your Loan Officer before closing.
$0.00
Estimated Annual Property Tax
Monthly:$0.00
Income Calculator
Estimate qualifying monthly income from two years of self-employed or business income, add-backs, ownership, and averaging period.
Planning estimate
Current year — 2025
Comparative income
Income and add-backs
Prior year — 2024
Comparative income
Income and add-backs
Estimated monthly qualifying income$0.00
Two-year average after ownership adjustment.
2025 adjusted annual income$0.00
2024 adjusted annual income$0.00
Income trend—
Findings-style comparison
Item
2025
2024
Change
This is a planning estimate inspired by the attached findings format. It is not an official Fannie Mae Income Calculator result or an underwriting decision. Verify income documentation, allowable add-backs, and current agency guidance before relying on the estimate.
Existing Loan
$
%
years
$
Proposed (New) Loan
$
%
years
$
Savings Summary
Existing Monthly Payment$0.00
Proposed Monthly Payment$0.00
Monthly Payment Savings$0.00
Total Interest — Existing$0.00
Total Interest — Proposed$0.00
Full-Term Interest Savings$0.00
Interest saved afteryears:$0.00
Yearly Amortization — Existing vs Proposed
Year
Existing Interest
Existing Principal
Existing Balance
Proposed Interest
Proposed Principal
Proposed Balance
USDA Eligibility Check
Check if a property is in a USDA-eligible rural area. This map uses USDA's live property eligibility data and is refreshed directly by USDA.
Estimate household income eligibility using the selected state, county, household size, and program type.
Estimate
Result
Eligibility estimate
Ready
Enter household details to compare income.Your result will show the applicable limit and the amount under or over it.
Need another path?Check AI Scenario Copilot for alternative programs such as DSCR, Non-QM, or Conventional.
Important: Based on USDA-published income limits, refreshed periodically. Confirm with a Loan Officer before relying on this for a final determination.
PipelineClick a deal to open it. Right-click or Ctrl/Cmd-click to open it in a new tab.
Pipeline AI review
Turn live pipeline context into a focused next step.
AI sees the deal facts currently loaded in this portal. Validate every deadline and decision with your lending team.
See what needs attention next, which files are at risk, and how every deal is moving toward the closing table.
Next 14 days0
milestones due soon
Needs attention0
risk signals detected
Open pipeline0
active deals being tracked
Closing volume$0
active loan volume
Deal milestones
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Loading your closing timeline...
Decision workspace
Scenario Workspace
Build, save, and compare payment options before turning the best structure into a polished borrower conversation.
Compare selected options
UP TO 3
Save options to compare monthly payment and cash to close.
Saved options
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Reporting
Performance dashboard
Live portfolio intelligence
Reporting
Review live pipeline performance, build custom reports, and turn current deal data into focused next actions.
Saved reports0
Buyer funnel
From prospect to application
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Monthly trend
Deals by pipeline stage
Prospects by stage
Where prospects come from
Live preview
Your report preview
Uses the pipeline data already available to your account.
Open this page with pipeline data to preview your report.
Your saved reports
Each report recalculates automatically as deals move through your pipeline.
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Create report
Live preview, using the dashboard’s date range
Untitled report
AI Scenario Copilot
Check borrower scenarios against agency rules, compare program fit, and keep every answer ready for Loan Officer review.
Rates, terms, and program guidelines shown are for illustrative purposes only and subject to change without notice. Annual Percentage Rate (APR) includes the interest rate plus applicable points, fees, and other finance charges, and varies by credit profile, loan amount, and program guidelines in effect at time of application. Not a commitment to lend.
Recent chats
New borrower scenarioAI-assisted analysis · verify with your Loan Officer
Ready
Income Screener
Prepare a careful preliminary review with deal context and supporting records.
Optional
Screening Analysis
Ready
Income Screener ready.
Analysis workspace readyChoose a screening area, add the facts on the left, and run a preliminary review.
Preliminary AI analysis only. It does not determine approval, eligibility, warrantability, legal status, or appraisal outcome.
Offer Studio
Develop an offer brief or a transparent two-structure comparison.
Optional
Offer Studio Analysis
Ready
Offer Studio ready.
Analysis workspace readyFill out the offer terms on the left and run an analysis to create a structured brief.
Outputs are discussion drafts, not a preapproval, rate quote, payment disclosure, or final net sheet.
Listing Content Studio
Create compliant listing and outreach drafts from the facts you provide.
Property facts
Generation parameters
Formatted draft
Ready to write.
Generated copy will appear here.
Compliance review reminder: Review claims, fair-housing language, and financing statements before publishing.
ProspectsBuyers you are working with before they have a property. Convert one into a deal when they go under contract.
Store files here first, then link them to any deal without uploading twice.
0 documents
Loading your documents...
Link to a Deal
Attach to a deal. It'll appear in that deal's Documents list right away.
Preview
Move to a Different Deal
Move to a different deal. It will disappear from the current deal's Documents list.
LO pipelineYour loan pipeline. Drag a buyer to their next stage; each stage shows its total loan amount.
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0 buyers
Pipeline stages
Name your stages the way you work. A stage can also mark a loan milestone, so agents get their update and reporting stays right when you move a buyer there.
Mark under contract
Why is this buyer not moving forward?
This stays private to Loan Officers. The agent only hears that the buyer is not moving forward right now.
Add a buyer
My agentsYour referral partners. See who sends buyers that apply and close, approve new agents, and nudge anyone who has gone quiet.
Your Arive application linkBuyers of your agents start their application here.
Your profile and availability
Buyers see your photo, NMLS number and booking link on their results. Hours, out-of-office, lead cap and specialties decide which new buyers are routed to you.
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0 agents
Email the agent?
Send a reminder
Sent from support@ophomeloans.com with your name. It includes the agent's buyer link, and replies come to you.
Profile
How you appear across the portal, in notifications, and to your Loan Officer.
Your license could not be verified. Check your license number and state below, then save. Our team will review it again and email you.
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Agent
Profile 0% complete
Full nameUsed in greetings, deal activity and emails you send.
Sign-in emailYour login. Ask an administrator if it needs to change.
PhoneSo your Loan Officer can reach you about a file.
Real estate license #Our team uses this to verify you.
License state2-letter state, e.g. NC.
Notification emailWhere deal updates go. Leave blank to use your sign-in email.
Access level—
Member since—
AI Scenario Copilot—
Referral code—
Security
Keep your login safe. Changes here take effect immediately.
New passwordAt least 8 characters. Mix letters, numbers and symbols.
Enter a password to check its strength.
Confirm passwordType it again to avoid typos.
Other devicesSigned in on a shared or lost device? End every session except this one.
This device—
Notifications
Everyday alerts arrive through the bell in the top bar. Approval queues for admins live here.
When I change a buyer's loan stage
Email preferences
Scenario emails waiting for approval
0 PENDING
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Nothing needs your review
You’ll see new-lead, deal-stage and approval alerts in the bell menu as they happen.
Referrals
Invite other realtors to the portal with your personal code.
Your code
—
0Realtors referred
0Referral activity
Who referred you?Enter their code once. It can’t be changed later.
Your referrer is on file.
Team
Members you invited.
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Agents
Verify each agent's license, see their Loan Officer, and track their buyers' Pre-Checks and applications.
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Loan officers
New agents are assigned to active Loan Officers in rotation. Buyers who finish a Pre-Check get their LO's Arive link.
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Activity log
Invites, role changes, deactivations and deletions you made.
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AI usage
This month’s usage.
Default monthly limitCredits each member gets per month unless you give them a custom limit. 1 credit per AI request, plus 1 per attached file.
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Portal controls
Change what everyone sees — no code changes needed. Users get your changes the next time they load the portal.
Server setup
Announcement banner
Show bannerA short message at the top of every page, for every user.
MessageKeep it to one sentence. Up to 300 characters.
StylePick the tone that matches the message.
ButtonOptional. Opens a module when clicked.
Modules
Live works normally. Upcoming stays in the menu with a “Soon” tag and shows a coming-soon screen with your note. Hidden removes it for everyone but you.
Knowledge Base
GuidesLoading…
Integrations
Connect the portal to the tools your team already uses — CRMs, automation, email and your website.
Webhooks & lead captureAdvanced — the connections the tools above use
Send data out
Paste a webhook URL from Zapier’s “Webhooks by Zapier” trigger, Make’s webhook module, or any tool that accepts one. The portal posts a JSON payload there whenever the event happens.
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Bring leads in
Point any tool that can send a webhook at this URL to create a new prospect automatically.
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Send a POST request with the header X-Webhook-Secret set to your INCOMING_WEBHOOK_SECRET environment variable in Vercel, and a JSON body like:
Step-by-step guides for every part of the portal, written for realtors and their teams.
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All guides
Common questions
Still stuck?
Send the lending team a clear question from the Support module. Include the deal or buyer name so they can find the file.
Add New Deal
Deal Details
Record details
Add Prospect
Send your Pre-Check link
Your buyer answers a few questions in about 2 minutes. They see likely loan programs and a document checklist, and you're notified with their results. They're added to your Prospects automatically.
Leads from this link are tagged so you can see which open house or post brought them in.
Emails are sent from support@ophomeloans.com with your name, and replies come straight to you. Your link:
Activity
Submit Scenario Email for Approval
Your Loan Officer reviews and approves every scenario email before it's sent — this can't go directly to a buyer without their sign-off.
Invite a team member
They’ll get an email to set a password. Once they join, they appear in your team list and you can manage their access.
Delete member?
This permanently removes their login and can’t be undone. If you might need them back, deactivate instead — it blocks access but keeps everything.
Edit guide
Basics
Visibility
Videos
Content
Add section:
Button & search
Integration
Add a tool
Use the official logo from the company’s brand or press kit. Square images work best.
Set a new password for member
Their old password stops working immediately. Share the new one privately, and ask them to change it in Settings › Security after signing in. Sending a reset email is usually safer.
Add Webhook
Convert to Deal
This creates a new pipeline deal for , carrying over their contact info, loan program, and financial profile. They'll land in the first stage of your pipeline.
Advanced Filters
Advanced Filters
Manage Custom Fields
These fields appear on every record's form and as extra columns in the list view for everyone on your team.
Manage Pipeline Stages
Rename, recolor, reorder, or remove stages. A stage can only be deleted once it has no deals in it.
