If you're working with me on a purchase, you have a private page that holds your real numbers. Change the price, change the down payment, add a house you just found on Zillow, and watch the payment and the cash to close move with it. No calling me to re-run it. No waiting until Monday.
Then enter the eight-character code I texted you. It looks like K7M2-P9QX. One code, one file, and it only works for yours.
Tap the address above on your phone, tablet, or computer. There's nothing to download and no account to create.
Type the eight characters from my text. Capital letters, and the dash is optional. Five wrong tries locks the device for fifteen minutes, so if it isn't working, text me instead of guessing.
On an iPhone, tap Share then Add to Home Screen. It opens like an app after that and stays signed in, so you can pull up your numbers standing in somebody's driveway.
Your original quote is locked exactly as I wrote it, so you always have the real starting point to compare against. Everything else is yours to push around.
Move it up or down in $1,000 steps and watch the payment follow.
Half a percent at a time, from the program minimum up to 50%.
Found the real tax bill on the listing? Put it in and get an honest number.
Swap in your actual quote once you have one.
Model what a seller concession does to your cash to close before you ask for it.
Add up to twelve. I'll verify the taxes and insurance on the ones you're serious about.
Your portal holds addresses and dollar figures. That's it. No Social Security number, no date of birth, no income or employment details, no account numbers, and nothing to upload. Anything that sensitive stays in New American Funding's secure system, where it belongs. Your code is stored scrambled so even I can't read it back to you, which is why reissuing is the fix when one goes missing. Tell me if you lose your phone and I'll turn that code off on the spot.
The figures in your portal are estimates for planning, not a loan approval, a rate lock, or a commitment to lend. Taxes, insurance, title charges, and New York State mortgage tax are the actual figures from your worksheet where known and estimated where the price has moved; cash to close needs to be re-run if the price changes substantially. Your rate, program, term, and points are set by me and are not adjustable in the portal. Interest rates and program availability change daily. Brian Marchand, Sr. Loan Consultant, NMLS #481563. Brian Marchand, powered by New American Funding. Equal Housing Lender.