DealDesk One Home Finance

For properties in the 50 U.S. states only, calculate an illustrative first-lien and up-to-3%-assistance second-lien payment breakdown capped at $15,000. This does not calculate Regulation Z APR because verified finance charges and fee timing are not available.

calculate_dpa_payment

For a property in one of the 50 U.S. states, estimate current equity, combined LTV, maximum second-lien proceeds before costs, and fixed closed-end-second principal and interest. User-supplied rate and CLTV assumptions are illustrative and never approval or an available-credit determination.

calculate_home_equity

Credential-free counterpart to the public HomeSearchAgent getFinancingEstimates operation. For a property in one of the 50 U.S. states, calculate an illustrative monthly payment using user-supplied assumptions or a current DealDesk One market-rate estimate. This is not underwriting, approval, prequalification, an advertised APR, or a commitment to lend.

getFinancingEstimates

For a property in one of the 50 U.S. states, estimate principal-and-interest savings and subsidy cost for a 1-0, 1-1, 2-1, or 3-2-1 temporary buydown. The borrower generally qualifies at the full note rate; current contribution and program rules require licensed review.

calculate_temporary_buydown

For properties in the 50 U.S. states only, run a preliminary, education-only screen of borrower-entered score, DTI, LTV, income type, occupancy, and veteran eligibility. Never represent the result as approval, prequalification, underwriting, or a commitment to lend.

check_loan_eligibility

For a property in one of the 50 U.S. states, compare illustrative payments across 30, 25, 20, and 15-year fixed and 5/1, 7/1, and 10/1 ARM structures for Conventional, FHA, VA, USDA, Jumbo, Bank Statement, Non-QM, or DSCR, optionally with an interest-only payment. Rates come from DealDesk One's deterministic rate engine (Freddie Mac PMMS-based for agency and Non-QM programs, DealDesk One's DSCR rate for DSCR) with credit/LTV adjustments; payments include property tax (1.20% of value), homeowners insurance (0.55% default, 0.50-0.80%), and mortgage insurance where it applies. Never present a result as a lender quote, rate lock, approval, or APR. For live lender pricing, offer the getQuote link or a licensed loan officer.

getSmartRateComparison

Mark the buyer profile complete once no required fields remain. Completion is a workflow status, not a credit decision, preapproval, or application.

completeBuyerIntake

Only after the consumer asks for a free loan proposal, email them an illustrative proposal PDF (rate, payment, taxes, insurance, mortgage insurance, estimated cash to close) and copy the assigned MKG loan officer. The buyer profile from startBuyerIntake must already have first and last name, email, phone, and email consent; if a field is missing, collect it with startBuyerIntake or ask for it, never by guessing. The proposal goes only to the email on the profile. It is not an official Loan Estimate, states no APR, and is not a quote, rate lock, approval, or commitment. Limited to 3 per email address per day. Never collect SSNs, account numbers, or documents in chat; direct those to the secure borrower portal.

sendFreeLoanProposal

Return active DealDesk One listings that match the consumer's own location, budget, and property-type answers. A match never means the consumer qualifies.

getBuyerPropertyMatches

Reload the buyer profile started in this conversation, including completion and remaining questions.

getBuyerIntake