Rates below theirs
The loan section shows the monthly saving and break-even point, ready for a refinance call.
Inside the report
Every section of the report,explained.
Each homeowner on your list gets a private report built from their own home and their own loan. Here is what is in it, why each part is there, and where the numbers come from.
What goes into a report
Three sources, one personal report.
- 1
The home
Public property records and recent sales give us the home’s details, sale history, tax bill, estimated value and estimated rent.
- 2
The loan
The loan details on your client list give us the balance, rate, term, start date and any mortgage insurance.
- 3
The market
Freddie Mac’s weekly mortgage rate survey gives us this week’s 30- and 15-year averages.
Take the tour
Walk through the report your clients open.
Tap any section to jump the live sample to that part. Scroll the phone or tap inside it to try it yourself. Everything shown is a sample homeowner.
Live sample · Estimated home value
The home’s estimated value today, a low-to-high range, and how it compares with the median home in their city or county.
- Why it matters
- It is the number every homeowner wants to know, so it is the reason they open the email and keep reading.
- Where it comes from
- An automated valuation based on public records and recent sales nearby. The range shows how confident the estimate is.
Beds, baths, square feet, year built, lot size and type, plus the last sale price and this year’s property tax bill.
- Why it matters
- Seeing their own home described correctly builds trust in everything else on the page.
- Where it comes from
- County property and tax assessment records.
A chart of how the home’s value has moved over the last 1, 5 or 10 years. They can drag across it to see any month.
- Why it matters
- Long-term growth is a reminder of how much they have gained, which opens talks about equity and next steps.
- Where it comes from
- Monthly value history for the property.
Every recorded sale of the home, with the date and price.
- Why it matters
- It puts today’s value in context: what they paid, and how far it has come since.
- Where it comes from
- Recorded deeds from the county.
Recent sales close to the home. They can sort by distance, date or price and tap a home to compare price per square foot.
- Why it matters
- Homeowners can see where the estimate comes from, and it keeps them curious about their local market.
- Where it comes from
- Recorded sales of similar homes nearby.
The current national averages for 30-year and 15-year fixed mortgages, with the date they were published.
- Why it matters
- It sets up the loan section that follows: how today’s rates compare with the rate they have now.
- Where it comes from
- Freddie Mac’s weekly Primary Mortgage Market Survey. These are averages, not a rate quote.
Their balance, rate, term and monthly payment, a side-by-side refinance comparison with a break-even estimate, their equity, and how much cash they could access.
- Why it matters
- This is where refinance, cash-out and HELOC conversations start, using their real loan instead of a generic example.
- Where it comes from
- The loan details on your client list, compared with this week’s averages. Closing costs are an estimate.
How much sooner they would own the home, and how much interest they would save, by adding a little extra each month.
- Why it matters
- It is useful advice with no sales pitch, which makes the report something they look forward to.
- Where it comes from
- Calculated from their current balance, rate and payment.
For conventional loans with mortgage insurance: what they pay each month, when they can ask to remove it, when it drops off on its own, and whether their home’s growth lets them remove it sooner.
- Why it matters
- Removing PMI is a real saving you can help with, and a strong reason for them to call. It only appears for loans that carry PMI.
- Where it comes from
- Their loan details, scheduled payments and the home’s value when they got the loan.
The estimated cash they would walk away with after paying off the loan and selling costs, and the price of the next home they could shop for at the same monthly budget.
- Why it matters
- It turns “someday we might move” into a plan, and puts you first in line for the purchase loan.
- Where it comes from
- Their estimated value and loan balance, typical selling costs they can adjust, and this week’s 30-year average.
What the home could rent for each month, a likely range, and yearly rent as a share of the home’s value.
- Why it matters
- It opens a conversation about keeping the home as a rental and buying the next one.
- Where it comes from
- A rental estimate for the property based on nearby rents.
Your name, title and NMLS, with buttons to book a call, call, text or email you. Your contact bar stays on screen as they scroll.
- Why it matters
- Whenever a number sparks a question, the next step is you.
- Where it comes from
- Your profile in Homes AVM.
Plain-language notes that values are estimates, not appraisals, that rates are averages, not a quote, plus your NMLS and Equal Housing Opportunity.
- Why it matters
- Every report is clear about what the numbers are, so you can share it with confidence.
- Where it comes from
- Included on every report automatically.
Conversations it starts
Every section points to a reason to talk.
The report does the noticing for you. When a client’s numbers change, the right conversation is already on the page.
Equity has grown
Cash they could access sets up cash-out and home equity conversations.
PMI can come off
When their value has grown enough, the report tells them, and points them to you.
Thinking of moving
Sale proceeds and next-home buying power make the move-up conversation easy.
Keeping it as a rental
Estimated rent helps them weigh renting the home and buying again.
Paying it off sooner
Helpful advice that keeps them opening your emails every month.
FAQ
Questions, answered.
Still curious? Talk to us or book a demo.
Is the home value an appraisal?
No. Values, ranges, rents and nearby sales are automated estimates from public records and market data. The report says so on every page.
Where do the loan details come from?
From the client list you upload. If a client owns their home outright, their report focuses on value, equity and options instead of loan details.
Are the rates a quote?
No. They are Freddie Mac’s weekly national averages, shown with the date they were published. Your client’s actual rate depends on their credit, property and loan.
Does every report show every section?
Sections only appear when they apply. For example, the PMI section only shows for conventional loans that carry mortgage insurance.
Can clients forward the report?
Each report is a private link made for one homeowner, and it asks them not to forward it.
Send every past client a report like this.
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