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Getting Started

Welcome to BrokerOS

Your complete mortgage broker toolkit. Here's everything you need to know to get up and running with all four tools — in minutes.

Tool 01
LenderIQ

Your filterable lender directory. Filter by loan type, relationship tier, niche products, DPA availability, and more — then reach out to AEs directly from the platform. You can also upload your own lender rate sheet matrices as PDFs and view them right from the dropdown on each lender card. Searchable matrix matching is coming in a future phase.

Open LenderIQ
How to use it
1
Use the sidebar filters
Filter lenders by relationship tier (preferred, approved, new), loan type (FHA, VA, Non-QM, DSCR, etc.), DPA availability, or niche products to narrow down your options fast.
2
Expand a lender card
Click any lender to expand their card and see AE contact info, the products they offer, and any notes you've added. You can edit AE contacts inline directly from the card.
3
View AE contacts and reach out
Expand any lender card to see AE contact information. Click the email button to reach out directly — no copy/pasting required.
💡 Select multiple lenders to send outreach to all of them at once
4
Add notes per lender
Use the notes field on each lender card to track preferences, overlays, or anything specific to your relationship with that lender. Notes save automatically to your browser.
Coming in the next phase: The Scenario Desk — enter a loan scenario and automatically match it against your lender matrices to surface the right lenders based on actual pricing and guidelines. Currently available first to Ease Mortgage beta users as matrix uploads are completed.
Tool 02
RefinanceIQ

A powerful refi scenario analysis tool for both internal analysis and client presentations. Compare the borrower's existing loan against a new loan scenario — monthly savings, breakeven point, cash to close, and more — then generate a clean, branded PDF to present directly to your client.

Open RefinanceIQ
How to use it
1
Enter the current loan details
Input the borrower's existing loan — current balance, rate, term, and monthly payment. This becomes the baseline for the comparison.
2
Enter the new loan scenario
Fill in the proposed new loan — loan type, new rate, term, estimated closing costs, and any credits. Toggle FHA, VA, or conventional options as needed.
3
Review the analysis
The tool calculates monthly savings, breakeven month, total interest saved, and cash to close — giving you everything you need to have an informed conversation with the borrower.
4
Save as PDF or present to client
Use the Save as PDF button to generate a clean, print-ready output with your LO profile and branding automatically included.
💡 Your name, NMLS, and contact info auto-populate from your BrokerOS profile
Tool 03
ScenarioIQ

Compare up to 3 loan scenarios side by side — for your own analysis and as a professional client-facing presentation. Enter different price points, rates, loan types, or down payment options and see a full breakdown of each — monthly payment, cash to close, APR, and more. Includes smart analysis, breakeven, and rent vs. buy tabs. Print or save as a branded PDF to present directly to your borrower.

Open ScenarioIQ
How to use it
1
Choose Purchase or Refinance mode
Toggle between Purchase and Refinance at the top of the tool to load the right input fields for your scenario type.
2
Fill in Scenario A, B, and C
Each column represents one scenario. Enter the loan type, purchase price, rate, down payment, and other details for each. Use the Price Point preset to quickly load 3 different price points at once.
💡 Use the Presets menu for common comparisons — 15 vs 30 year, FHA vs Conventional, and more
3
Review the Smart Analysis
The Smart Analysis tab automatically highlights the best scenario based on your selected priority — lowest payment, lowest cash to close, lowest total cost, or best 5-year value.
4
Print or share with the borrower
Use the Print / Save as PDF button to generate a clean, branded output showing all three scenarios side by side — ready to email or present in your buyer consultation.
Pro tip: ScenarioIQ is your go-to tool for buyer consultations. Load it up before the meeting with the borrower's numbers and walk them through their options live. The side-by-side format makes the decision easy for them.
Tool 04
EstimateIQ

Generate a professional, branded Loan Quote for your borrower — no manual data entry required. Simply upload your fee sheet or preliminary Loan Estimate PDF from your lender or LOS and EstimateIQ reads it automatically, pulling in all the numbers you need. The result is a clean, client-facing presentation showing estimated monthly payment, closing costs, cash to close, loan details, and your personal LO notes — all in one polished, printable document.

Open EstimateIQ
How to use it
1
Upload your fee sheet or preliminary LE
On the first screen, upload a fee sheet or preliminary Loan Estimate PDF from your lender or LOS. EstimateIQ reads the document and auto-populates the loan details, closing costs, and payment breakdown — no manual entry needed.
💡 You can also enter figures manually if you prefer
2
Review closing costs and cash to close
Enter or adjust estimated closing costs, prepaid items, seller credits, and lender credits. The tool calculates the total cash to close in real time.
3
Add your LO notes
Use the LO Notes section to add a personal message to the borrower — rate lock status, next steps, or context about the quote. These notes appear on the PDF and in the borrower email.
💡 Toggle rate lock status at the top to show whether the rate is locked or floating
4
Save as PDF or email to borrower
Click Save as PDF to generate a branded Loan Quote with your headshot, logo, NMLS, and contact info. Or use Copy to Email to send the summary directly to the borrower.
Important: EstimateIQ generates a Loan Quote for informational purposes only — it is not an official Loan Estimate under RESPA/TILA. Always follow up with an official LE through your LOS before proceeding to application.