Projected added profit, per year
$ 0
A 23.9-point average score improvement often puts a full pricing tier in your borrower's back pocket. Winning better terms for them, more funded loans for you, and stronger referrals for your REALTOR® partners. With Closed Loan Pricing, the spend waits for closing, carried by funded loans. Build your program below and see the numbers on your business.
↓ About 2 minutes · your exact pricing stays private to you
Your process shapes your program. Estimates are fine. You can validate with real activity at the end, and every figure below recalculates as you go.
Working defaults are deliberately conservative. Your validated figures usually improve your quote.
One real question decides this: are you approved with lenders that accept SoftQualify+, a soft inquiry with trended data, for underwriting? Everything else is preference. Either path, you choose who pays and how much lands at closing in step 3.
Soft tri-merge with scores and trended data at prequal. Hard tri-merge before closing, GSE-required; within 3 days of closing it doubles as your LQI, or run it earlier and add a Refresh or UDM in step 4.
Traditional hard tri-merge at prequal. Choose your LQI solution for closing, never a second hard pull.
Estimate now from your profile · refined from your bureau bill · finalized against your first 30 days. Adjustments only on sustained multi-month patterns, always warned before billed, and when you outperform, the adjustment runs in your favor.
Said plainly: that is about one added closing per loan officer per quarter, from roughly one active SmartPay partner each by year end. The aggregate looks big; the per-officer claim is modest.
Your SmartPay referral ramp is the shaded band in the trajectory chart above, beside your cost bars. Adjust your partner count in Section 1 and watch the slope respond.
One price per file, no per-loan math. Flat pricing is the common choice; individual/joint pricing (joint exactly double) is available on either bundle. Electing a product folds the one occurrence your process needs into your fee; additional or standalone use bills per the product schedule. Your closing trigger, Undisclosed Debt Monitoring or Refresh report, is an either/or election in the add-ons below.
One price covers the file end to end: the report including FICO scores, plus reissues, secondary use and supplements/trade line updates, with your elected add-ons folded in.
A leaner per-file price covering the credit report and FICO scores. Reissues, secondary use, supplements/updates, and other add-ons bill per the product schedule as used.
Everything on this page, computed to the dollar for your operation, profit opportunity, program pricing with your dial position, your 12-month trajectory, the product suite (Score Express, FICO Score Mortgage Simulator, BestQualify, SoftQualify), service standards, and implementation plan. It opens on screen the moment you verify, and after a quick specialist review it arrives in your inbox as a PDF for your review or to forward to leadership.
Built from your numbers and ready to carry into your application.
These figures are estimates built from the numbers you entered. Upload your activity summary or your last three months of statements and we rebuild them from your actual usage, most often improving your pricing. Our systems read usage only: counts, mix, and volume, never names. If you prefer, black out your rates before uploading; usage is what drives your quote.
Dollar figures are live across the page. Work the dial and every figure follows. The Portfolio cover now reads "Prepared for your company", the confirmed company name, carried onto the emailed PDF. Priced on your stated profile, trued up at 30 days. Secondary use stays unlimited.
One choice, highlighted when made; it freezes into your saved quote, drives your application's product selections, and generates the matching agreement with your actual numbers. Risk-based pricing disclosures are appended to every credit report at no cost; elect our exception notice processing (issuance, mailing, certificate, audit support) and it is included on every report.
Everything carries over: company details, volume, elections, dial position, this program choice. Nothing retyped. Your pricing can still validate in parallel while the application processes.
Pricing shown is an estimate prepared for the named prospect, computed from your business profile and refined at your first monthly invoice (30-day true-up). Closed-loan figures are released after verification. Secondary use stays unlimited with no per-use charges. Credit Technologies, Inc. confidential.