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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
LeadIQ

Your guided lead-intake call script. Choose the transaction and property type and the questions adapt to the scenario, read the built-in prompts to your borrower, and let BOSS Strategy suggest possible loan programs, red flags, and next steps. When the call wraps, copy a clean summary into Arive or your CRM and send the borrower their application link - all from one screen.

Open LeadIQ
How to use it
1
Set the transaction and property type
At the top of the intake, pick Purchase or Refinance and Primary / Second Home or Investment. The question set adapts automatically so you only ask what's relevant to that borrower's scenario.
2
Hide what Arive already covers (optional)
Flip the "Hide questions Arive's intake usually already answers" toggle to skip the basics - name, contact, price range - and focus the call on the deeper qualifying questions. Questions Arive already captures are marked with an Arive badge.
3
Work through the call script
Go section by section. Each question includes a natural prompt you can read aloud, and you type the borrower's answers (plus any notes) as you talk. Everything autosaves to your browser, so a dropped call never loses your progress.
4
Review & Copy Summary
When you finish, open Review & Copy Summary to see everything the borrower answered - blank questions are skipped so the summary stays clean. Tap BOSS Strategy for AI-suggested loan programs, red flags, and next steps, then Copy Summary to paste straight into Arive, your CRM, or an email to yourself.
💡 BOSS Strategy ideas are for discussion only - always verify against current lender guidelines and underwriting.
5
Send the application link
Click Send Application Link to generate a warm, personalized email inviting the borrower to complete their full application through your saved link. It opens in your email app (or copies to your clipboard) based on the email app you choose in Settings. Set that once and every BrokerOS email opens the right way - pick your email app here.
💡 Add your application link in Dashboard > Settings first, or the button will point you there instead of sending a blank link.
Tool 02
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 03
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. To save time, use the Auto-fill from a mortgage statement box at the top of the panel: upload the borrower's statement and it fills the blank current-loan fields for you. It only fills empty fields (anything you have already typed is kept), and a review panel shows every value it read so you can double-check before trusting it. Loan type, original loan amount, and property value are not on statements, so enter those yourself.
💡 A PDF works best. Photos and screenshots are fine too, but avoid iPhone HEIC photos (save or share them as JPG first), and keep PDFs under 3 MB — snap a screenshot instead if the file is larger.
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
Download or present to client
Use the Download button to generate a clean, branded PDF - saved straight to your device - with your LO profile and branding automatically included.
💡 Your name, NMLS, and contact info auto-populate from your BrokerOS profile
Tool 04
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. Download 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 Download button to generate a clean, branded PDF 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 05
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
Download or email to borrower
Click Download to generate a branded Loan Quote (saved to your device) with your headshot, logo, NMLS, and contact info. Or use Send to Client 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.
Tool 06
InvestorIQ

DSCR rental analysis for investor deals. Upload a property report and the loan quote and InvestorIQ reads them automatically, then reconciles the rent evidence and flags where it is weak. It shows whether the rent covers the debt and at what fundability tier, and builds the full breakdown into a client email you can send to the borrower. Descriptive only — it reports the numbers, it never tells anyone whether to buy.

Open InvestorIQ
How to use it
1
Upload the property report and loan quote
Upload a property and rent report (such as a HouseCanary Property Explorer PDF) and your loan quote or Initial Fees Worksheet. InvestorIQ reads both and pulls in the value, rent estimate, unit count, and loan terms — no manual entry needed.
💡 You can also enter figures manually if you prefer
2
Confirm the rent basis
Before the numbers run, InvestorIQ checks the rent. If the report's unit count or rent disagrees with the loan file, or the rent is AVM-estimated rather than lease-verified, it surfaces a confirm-the-basis gate. Choose the AVM basis or enter the confirmed per-unit rents.
💡 Confirming the rent is what keeps the analysis honest — do it before you rely on the result
3
Set your assumptions and read the coverage
Adjust vacancy, maintenance, capex, and management. InvestorIQ recalculates the DSCR in real time and shows whether the rent covers the debt and at what fundability tier.
4
Download or send to borrower
Click Download to generate a branded PDF with your headshot, logo, NMLS, and contact info. Or use Send to Client to email the borrower the full breakdown with the message pre-written.
Important: InvestorIQ is descriptive only. It reports whether the rent covers the debt and the fundability tier — it is not investment advice and never recommends whether to buy. Always confirm current rents, values, and lender terms before relying on the numbers.