LO Pro - QM Tool

All-in-One Professional Loan Officer Tool

Take your loan scenarios, pricing, and borrower communication to the next level with a powerful, all-in-one toolkit designed specifically for mortgage professionals. Whether you're structuring deals, comparing options, or explaining numbers to clients, this app gives you everything you need—fast, accurate, and in one place.

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Powerful Loan Analysis Tools

- Full pricing and cash-to-close breakdown
- Monthly payment calculations (P&I, PITI, APR, MI)
- Front-end and back-end DTI ratios
- Prepaids and initial escrow estimates
- Fees estimator with APR toggle for affiliate fees

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Advanced Comparison Features

- Side-by-side loan comparison with all key figures
- Refinance comparison tool with cost analysis
- Visual comparison graph showing total cost over time (3–30 years)

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Buydown & Savings Tools

- Instantly compare 1-0, 1-1, 2-1, and 3-2-1 buydowns
- Automatic calculations for:
- Buydown rate
- Note rate payment
- Buydown payment
- Monthly and annual savings
- Total buydown cost

Down Payment Assistance Grant and 2nd Mortgage Support

- Includes grant option
- Adjust interest rate, term and loan amounts for repayable second mortgages
- Auto calculation into PITI for full payment
- DPA cards in Dashboard to view how much Down Payment assistance being used and monthly payment (if repayable) for easy access to figures
- Silent 2nd toggling if no payment required

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Compliance & Accuracy

- QM compliance with automatic fee calculations and pass/fail results
- VA Section A fee testing with instant feedback

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Workflow & Productivity

- Save and load loan scenarios for quick adjustments
- Generate borrower-ready summaries for text messaging
- Create comparison summaries for multiple loan options
- Built to streamline your process and improve communication

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Additional Tools

- BPS ↔ Dollar converter
- Dozens of custom themes
- Custom color, font, and zoom selectors for a customized UI
- Fast, responsive calculations across all features

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This app is built for loan officers who want to move faster, present options clearly, and close more deals with confidence. Whether you're working with purchases, refinances, or complex scenarios, everything you need is right at your fingertips.