Pull a Refi-Fit Brief on any property. $25 single, $20 each at 5-19, $15 each at 20+. Pay what you want for your first one. No subscription.
| # | address | equity | strike | verdict |
|---|---|---|---|---|
| 1 | 2412 Brook Ln, Atlanta GA | $184K | 9.2/10 | live cash-out |
| 2 | 818 Maple Dr, Plano TX | $142K | 8.7/10 | live refi |
| 3 | 9 Vista Ct, Mesa AZ | $98K | 8.1/10 | live refi |
| 4 | 16xxx S 17th Way, Phoenix AZ | $34K | 7.5/10 | watch IRRRL |
| 5 | 27 Oak St, Tampa FL | $22K | 6.8/10 | watch HELOC |
| 6 | 1130 Pine Rd, Bend OR | $8K | 4.2/10 | cold |
| 7 | 344 Elm Way, Phoenix AZ | $3K | 2.9/10 | cold |
The trigger-lead funnel that used to feed refi originators is gone. The replacement is a property-list scoring layer, computed per row.
Drawn from the actual workflow gaps LOs and brokers described to us while we were building this. Each one used to come pre-derived inside a bureau trigger lead. Post-HBPPA, each one has to be computed from raw property data, usually by hand, in Excel, by the LO.
"Is THIS borrower's note rate above today's market?" The single most-asked question in an LO's outbound. Computing it requires the note rate (back-derived from origination date + product + Freddie PMMS), today's PMMS, and a delta threshold that varies by loan type. Loan Atlas calls this "strike rate" and treats ≥75 bps as the live-refi line.
Property-data lists ship sale price and original loan amount. They do not ship current balance, current AVM, current LTV, or remaining cash-out capacity. The amortization is a one-line formula, but you need today's blended AVM (Zillow + Redfin + ZHVI midpoint) and the original rate to run it. Doing this 100 times in Excel is where every LO's Saturday goes.
Permit pulled, divorce filing, probate, listing pulled, 5-7yr hold ripeness, recent loan-mod, new junior lien recorded. Property data shops sell these as filters; they don't summarize them into a one-line "this is hot because X happened Y days ago" verdict. The output is a column titled why_now, plain English, sourced.
Each one is a real workflow gap your team is filling by hand today. The product collapses all six into a single deterministic file.
Free preview renders in seconds. Full Refi-Fit Brief delivered within 24 hours. An LO running the same equity, AVM, recorder, and lien checks in Excel burns 12 to 18 minutes per record and still doesn't have a structured audit trail.
Every number is sourced and timestamped. The output is audit-trailed cell by cell, defensible to a borrower or a compliance team. AVM and recorder pulls are timestamped per order so you can show your work if a borrower disputes a number.
The output drops in as a CSV with one row per property, sorted by call priority. Phone, status, equity, LTV, refi verdict, opening line, lien check, all in named columns. Drop the CSV into your dialer or CRM. No Slack-paragraph-interpretation step.
Current equity in dollars, current LTV %, amortized balance from rate + origination date + months elapsed, blended AVM from three sources, today's PMMS comparison, net tangible benefit verdict, IRRRL vs cash-out vs HELOC product recommendation, rate-lock paralysis score. Every cell has an audit trail.
Each property comes with a borrower-specific opening line that pre-empts the wrong pitch and concedes the obvious objection before the borrower can raise it. Built from the rate environment, the loan type, and the recorder check. Replace generic "I noticed you bought in 2022" with "the math doesn't work yet, here's when I'll call."
The Refi-Fit Brief ships with the AVM URLs, the amortization parameters, the recorder search timestamps, the DNC scrub batch ID, and the model version that wrote the opening line. If a borrower disputes a number, you can show them the page it came from. Compliance teams love this.
The honest competitor is not ChatGPT. It's 15 minutes per record in Excel by your most-senior loan officer. ATTOM raw fields and ChatGPT are not the live competition. Internal LO time is.
| Dimension | ATTOM raw | Excel + LO (15 min/rec) | ChatGPT | Our scoring |
|---|---|---|---|---|
| Current equity | Not provided. Ships sale price + loan amount only. | Manually pull AVM, plug origination date into PMT formula, derive balance. ~5 min by an LO who knows the formula. ~20 min by one who doesn't. | "Probably 10 to 15%." Hand-waved. | 9.0% equity, $34K dollars. AVM $377K blended midpoint. Balance $343K from amortization. |
| Current LTV | Not provided. | Trivial division once the two cells above exist. But the two cells above don't exist yet. | "Around 80 to 85%." Wrong direction. | 91.0%. Computed from working balance / working AVM. |
| Refi strike-rate | Not addressed. | Requires today's PMMS lookup + delta calc against a back-derived note rate. LO can do it, but rarely does it on 200 rows in a row. | "Strong refi candidate, rates have dropped." Wrong direction. | 7.5/10. Watch-list IRRRL, not today. Today's VA 30-yr is 6.45-6.65%, note rate 6.50%. Net tangible benefit fails. Becomes live on a 50 bps drop. |
| Product recommendation | Not provided. | Senior LO can derive in head; junior LO defaults to the wrong product. | "Cash-out refi or HELOC." Both fail on the math. | Watch-list IRRRL only. Cash-out at 91% LTV extracts negative dollars net of costs. HELOC subordinates awkwardly. |
| Lien / distress check | Not provided. | Manual county recorder portal lookup. ~3-5 min per record. Almost no LO actually does this on outbound prep. | "No obvious red flags." Hand-waved. | Clean. County tax current. No federal/state liens. No PACER bankruptcy. No code enforcement at address. |
| DNC + contactability | Doesn't ship phones. | LO copies phones into a separate DNC scrub tool, re-imports. ~5 min and an Excel paste-special. | "Recommend calling primary phone." No DNC check. | 5 working channels after DNC scrub. Primary mobile clear. One DNC-listed mobile removed. |
| "Why now" trigger | Raw recency fields if you pay for them. No summary. | Not derivable from ATTOM alone; needs recorder + permit + court data and a thesis layer. | Invents a story. Often wrong. | Plain-English column. "Cold: no junior recorded since 2022, no permit, no listing pull. Watch-list only." |
| Opening line | n/a | LO writes by hand or doesn't. | "You might be a great candidate for a refinance." Burns credibility in 10 seconds. | "Your rate from 2022 is close to where the market sits right now and the math doesn't work yet." |
| Reproducibility | Yes. | No. LO judgment drifts day to day. | No. 5-15% drift between runs. | Yes. Audit trail per cell. |
| Time per record | Instant (raw fields only). | 12-18 min by a senior LO. Doesn't include recorder or DNC. | 30-90 sec. Falls apart at list scale. | ~4-7 min. Built for lists of 10 to 200. |
| Cost per record | Subscription baked-in (~$mid 3-figures/mo). | ~$15-25 of LO time per record at fully-loaded LO comp. Real cost: that LO didn't dial during those 15 minutes. | $20/mo + LO time. Real cost: wrong recommendations. | $15 per property at 20+ volume. $25 single, $20 at 5-19. No subscription. |
ChatGPT is not the live competitor. Internal LO time is. Across the brokers we've talked to, the actual workflow on a fresh property-data list is: dump into Excel, sort by purchase date, hand the spreadsheet to the most-senior LO, and ask them to flag the top 20 by gut + back-of-envelope. That's what this product replaces, and it replaces it at roughly 1/10th the cost of the LO time it currently consumes.
Real property from a customer's recent list. The Refi-Fit Brief excerpt below is taken verbatim from the output PDF.
| Field | Value |
|---|---|
| Subject address | 16xxx S. 17th Way, Phoenix AZ 85048 |
| Submarket | Ahwatukee Foothills, zip 85048 |
| Owner of record | De-identified (individual title, owner-occupant) |
| Property type | Single-family detached |
| Original mortgage | $357K VA 30-yr (composite year) |
| Estimated current LTV | 62% (computed) |
| Refi-fitness score | 8.4 / 10 |
$642K from Zillow / Redfin / ZHVI. Amortized balance $398K from origination rate + months elapsed. Current equity $244K, current LTV 62%. Net tangible benefit clears today on a rate-and-term refi.One-time per property. No subscription. Pay-what-you-want for your first Refi-Fit Brief, fixed tiers above that, volume tier at 20+.
Three steps from raw list to ranked call order.
CSV or Excel, any column layout. APN, address, owner name, or skip-trace output: the engine takes any of them. File prep guide here if your list is messy.
Equity, LTV, refi strike-rate vs today's rate strip, why-now recency triggers, lien/distress check, contactability score after DNC scrub. Free preview shows the top N before you spend a Refi-Fit Brief credit.
You pay for analysis on the properties you actually want to call. The output ships as a CRM-ready CSV plus a per-property PDF for the audit trail.
Type any address. Free preview on the spot. $25 default for the first full Refi-Fit Brief (or pay what you want, $10 to $499). $20 each at 5 to 19 properties. $15 each at 20+.
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