Partners Mortgage
Partners Streamline Lens
LO
Set up LO profile
Step 1 · Setup

Program and current loan

Both programs are credit and appraisal light. Enter the loan as it stands today, straight from the mortgage statement or payoff.

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Drop the mortgage statement here or click to upload PDF, JPG, or PNG. AI extracts balance, rate, P&I, escrow, MIP, and loan dates.
Scanning the statement. Finding balance, rate, and payment terms.
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Most FHA loans since 2023: 0.55. Older loans: 0.85.
Including financed UFMIP. Leave blank to reverse engineer it from the balance, rate, and payments made.
The date the balance was true. Anchors the payment count. Defaults to today.
Leave blank to auto count through the As Of date.
Drives the payoff interest math. Defaults 30 days out.
From the demand or statement. Blank = 1st of the As Of month. Assumes no further payments post before closing, matching how demands are written.
CMG, Cenlar and most subservicers quote payoff per diem on a 360 basis.
Payoff statement, reconveyance, recording.
Drop the payoff demand here or click to upload PDF or image. AI pulls the total, good through date, principal, paid to date, per diem basis, and fees.
Reading the payoff demand. Total, dates, per diem, and fees.
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When entered, the real demand replaces the estimate everywhere downstream.
Flags if your target close lands after it.
Older FHA notes allow interest through month end.
Interest due at payoff. Auto from paid to through close.
MIP earned at payoff. Auto from months touched.
Only if actually owed.
Servicer escrow advances due.
Anchors the refund schedule. Blank = closing + 2 months (typical lag).
Auto from the schedule. Verify the exact figure on FHA Connection Refinance Authorization.
Step 2 · Eligibility

Seasoning and payment history

Step 3 · Loan Options

Build up to five options

Each option carries its own rate, points, fee structure, and lender credit. Classic play: a bought down rate, a par rate, and a no cost structure where the credit covers the fees. Star the one you recommend.

Drop an Initial Fees Worksheet here or click to upload PDF or image. AI pulls itemized fees, lender credits, rate, term, and estimated value into this option. Financed UFMIP, prepaids, and escrow reserves are excluded, the tool computes those.
Reading the fee sheet. Itemized fees, credits, and terms.
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Step 4 · Benefit Tests

Every option, tested

Comparison

All options, side by side

Test Detail

Why each option passes or fails

LO Worksheet · Internal

The complete breakdown

Not borrower facing. Every formula with its inputs on one page: the payoff build, the UFMIP refund math, the max loan calculation, per option charges, and talking points for the questions that come back at you.

Step 5 · Borrower Presentation

Generate a standalone proposal

Creates a polished, mobile friendly HTML page presenting every included option side by side, each with the case for why it wins. No recommended flag. The borrower picks the trade. Email or text it directly.