🗂 Daily Operations
📞 Discovery & Client Call
StorySelling Framework
CPCC discovery, archetypes, 6-step story sell, annual review scripts
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Comfort Calculator
Income → max qualifying + comfort price, DTI ranges table, total funds needed
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Down Payment Calculator
Compare down payment options, PMI breakeven, cost over time
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Closing Cost Estimator
Estimate total cash to close — lender fees, prepaids, title, escrows
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📝 Pre-Approval
🏡 Buyer Strategy
Rent vs. Own
Net monthly pay (after tax benefit + equity), rent increase compounding, long-term comparison
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Cost of Waiting
Buy now vs. wait — price appreciation, down payment gap, break-even months
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Appreciation Calculator
Home value growth over 1–15 years, ROI on down payment, leverage framing
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Equity Growth Calculator
Appreciation equity + paydown equity over time — stacked chart, ROI multiplier
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Bid Over Asking Analyzer
Break-even months for any premium — when does appreciation cover the overbid?
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MI Options Comparison
Monthly vs. LPMI vs. Split vs. Single Premium Financed — cost + break-even
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Appraisal Gap Strategy
4-column: base loan, SPMI financed, buyer covers gap, gap + SPMI financed
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Move Up Buyer Strategy
Up to 4 products side-by-side — purchase, refi, zero out-of-pocket framing
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📊 Loan Comparison & Presentation
Mortgage Coach — Rate & Points
4 rate options side-by-side: breakeven, net savings, temp buydown analysis
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Scenario Comparison Tool
Multiple loan scenarios side-by-side — payment, cash to close, total cost
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Seller Contribution Analyzer
4-column: no contribution, price break, permanent buydown, 2-1 temp buydown
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Paying Points: 3-Way Comparison
No points vs. rate buydown vs. apply to principal — winner by horizon
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Buydown Analyzer
Temporary rate buydown — escrow cost, year-by-year savings, seller concession
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True Breakeven Calculator
Refinance or rate change — true breakeven accounting for all costs
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💸 Debt & Cash Flow Strategy
Blended Rate Calculator
Weighted average rate across all debts — entry point for consolidation talk
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Debt Consolidation Strategy
Refi or purchase mode — monthly savings, net worth warning, short/long-term tabs
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Freedom Point Calculator
Extra payments → new payoff date, months saved, vs. investing instead
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Refi: Risk of Waiting
Refi now vs. wait for lower rate — interest overpaid, 5-year net comparison
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Amortization Calculator
Full schedule — monthly or yearly view, extra payment impact, printable
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📋 New Contract & Submission
⚙️ Processing & In-File
🏁 Close & Post-Close
🤝 Partner & Realtor Tools
Realtor Engagement Tracker
Active partner list with status, last contact, and next steps
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Realtor Business Planning Calculator
Goal-setting and production planning tool for partner meetings
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Scenario Flyer Generator
Co-branded payment scenario flyer — VA, 5% down, 20% down
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Jumbo Flyer Generator
Same as scenario flyer — formatted for jumbo / high-balance loans
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📡 Market & Rate Intelligence
Rate Board Presenter
Display and present current rate scenarios in a clean format
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Rate Board — Client View
Client-facing rate comparison display page
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Rate Lock Guide
When to lock vs. float — strategy reference and client talking points
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Recession Tracker
Key economic indicators and recession signal monitoring
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Housing Market Guide
Local market data, inventory trends, supply and demand signals
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🧮 CMPS Advisory Calculators
After-Tax Rate & Gross-Up Calculator
True cost of mortgage after-tax + IRA/401(k) gross-up with penalty logic
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Cash vs. Mortgage Calculator
Should cash buyers finance? Compare net worth outcomes side by side
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Critical Capital Calculator
How much do they need to retire? Income goal ÷ (return − inflation)
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Cap Rate / NOI Solver
3-way solve: find cap rate, max price, or required rent + leverage check
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Investment Property IRR Calculator
Full IRR + cash-on-cash using PV, PMT, N, FV — the CMPS investor model
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Rule of 72 — Financial Education
How long to double money? 4-rate comparison, real estate leverage framing
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💡 Ideas & Experiments
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