Interactive loan comparisons with AI explanations that help borrowers understand tradeoffs and decide faster.
14-day free trial · No credit card required
Loan comparison · v3
Option 1
DSCR NonQM 2
6.990%
$3,190/mo
$146k cash
Option 2
DSCR NonQM 5
8.375%
$3,648/mo
$131k cash
Option 3
DSCR NonQM 6
7.250%
$3,274/mo
$143k cash
Option 4
DSCR NonQM 9
7.375%
$3,315/mo
$138k cash
Cumulative cost over time
AI Breakdown
Option 2 needs $14,400 less cash to close, but Option 1's lower payment recovers it in ~31 months.
Jeremy selected Option 1
6.990% · $3,190/mo · 2 min ago
30+ min
Saved Per Quote
4 scenarios
Compared Instantly
Live
Borrower Engagement Tracking
14 days
Free, No Credit Card
The borrower experience
Not a PDF. Not a spreadsheet. An interactive decision experience that answers questions before they're asked.
Loan comparison
Option 1
6.875%
Option 2
7.125%
Option 3
7.250%
Option 4
7.500%
Breakeven analysis · AI
Option 4 wins if borrower sells or refis within 30 months. After that Option 1 is more economical.
Answers borrower questions automatically
No more 'what are points?' calls.
Highlights breakeven instantly
Shows which option wins at what timeline.
Cash-to-close differences
Side-by-side, no math required.
Explains points & rate tradeoffs
In plain language, on the borrower's screen.
Tracks engagement
Know who viewed what, when.
The problem
Every rate change, every scenario tweak, every typo means rebuilding the spreadsheet and re-exporting the PDF. Again. And again.
"What are points?" "Which one is cheaper?" "Why is my payment higher?" — answered manually, on every deal, forever.
You send the PDF and wait. No idea if it was opened, compared, or ignored — until you spend another hour chasing the follow-up call.
The shift
Same loan officer. Same borrower. Radically faster close.
Before
Manual workflowSpreadsheets, PDFs, and follow-up calls.
With LoanSheet
AutomatedInteractive quotes that close themselves.
AI explanations
LoanSheet automatically explains the tradeoffs borrowers ask about most — so you're not on the phone walking through points and amortization for the hundredth time.
What do points mean?
LoanSheet AI
Points are an upfront fee paid to lower your interest rate. 1 point = 1% of your loan amount. Option 1 includes 0.5 points (~$2,425) in exchange for a 0.25% lower rate.
Which option costs less over time?
LoanSheet AI
Option 1 has the lowest payment, so over 7+ years it saves the most in interest. Option 4 wins only if you sell or refinance within 30 months.
What is breakeven?
LoanSheet AI
It's the moment the savings from a lower rate finally cover the extra upfront cost. For Option 1 vs Option 4, that's month 30.
Why is this payment lower?
LoanSheet AI
Option 1's rate is 0.625% lower, which reduces monthly interest by about $226. The tradeoff: $6,620 more cash at closing.
Borrower education — not financial advice. You stay in control of every quote.
The ROI
Drag the slider. See how much of your week LoanSheet hands back.
Hours saved / month
25hrs
Hours saved / year
300hrs
That's equivalent to
7.5 weeks of full-time work
reclaimed every year, per loan officer.
Quote tracking
You no longer send a quote into a black hole. See every open, every comparison, every question the borrower lingered on — and get notified the moment they choose.
Activity
240 Oak Street · Jane Cooper
Borrower opened quote
2:14 PM
Compared Options 1 and 4
2:16 PM
Viewed AI breakeven analysis
2:19 PM
Re-opened on mobile
8:42 PM
Selected Option 1 — 6.875%
8:47 PM
Loan officer notified
8:47 PM
Scenarios
Borrower asks for a different LTV? A buydown? Cash-out? Spin up a new version in two clicks — no rebuilding the quote from scratch.
Original quote
80% LTV · 30yr fixed
6.875%
75% LTV version
Reduced down payment
6.750%
Rate buydown
1 point bought
6.500%
Cash-out option
$50k cash out
7.125%
DSCR variant
Investor profile
7.500%
All versions live inside one quote. Borrowers see only what you send.
Pricing
Start with a 14-day free trial. No credit card required.
Professional
Individual loan officer
For individual loan officers looking to create better borrower experiences and close loans faster.
Agency
Small brokerage or lending team
For mortgage brokerages, DSCR shops, private lenders, and growing teams that need a standardized borrower experience.
Enterprise
Enterprise lender
For larger lending organizations requiring advanced workflows, onboarding, compliance, and enterprise support.
FAQ
How is LoanSheet different from a loan calculator?
Calculators output a number. LoanSheet outputs an interactive, AI-explained decision experience the borrower actually engages with — and you get to track every interaction.
Do borrowers need an account?
No. Borrowers open a branded link. No logins, no friction.
Is the AI providing financial advice?
No. The AI explains loan mechanics — points, breakeven, rate vs. cost tradeoffs — in plain English. You stay the loan officer.
Can I white-label or brand it?
Yes. Agency and Enterprise plans include borrower-facing branding.
Which loan types are supported?
Conventional, FHA, VA, jumbo, DSCR, hard money, and private lending scenarios.
What if I cancel?
Cancel any time. Your data stays accessible for export.
Replace spreadsheets, PDFs, and repetitive borrower questions with a modern loan presentation experience built for the way mortgage professionals actually close.
14-day free trial · No credit card required · Cancel anytime