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Your complete mortgage strategy, delivered.
At the end of the Mortgage Intelligence Journey, SimpleOS prepares a personalized report that brings together everything built across all six steps — scenario, strategy, rates, cash to close, offer confidence, and a loan officer review.
Ten sections. One complete picture.
The Mortgage Intelligence Report is not a generic pre-approval summary. It's a structured strategy document built specifically around your profile — covering every dimension that affects your path to closing.
Scenario Summary
Your initial goals, timeline, purchase target, available funds, and biggest concern — the starting point that shaped everything that followed.
Buyer Strategy Summary
A summary of your income, debt, assets, credit, and homeownership goals as gathered through the Buyer Strategy interview.
Potential Loan Paths
The loan programs most aligned with your profile — with notes on why each was included and what would need to be true for each to work.
Payment Planning
A payment range estimate based on your selected loan path and planning rates, including the full monthly cost picture with taxes, insurance, and HOA.
Cash-to-Close Estimate
A structured estimate of the funds needed to close — down payment, closing costs, prepaids, escrows, credits, and program-specific considerations.
Offer Confidence Notes
A summary of your buyer strength across the nine Offer Confidence dimensions — strengths, pressure points, and what to address before submitting an offer.
Roadblocks
Anything in your profile that could create friction in underwriting — documented clearly so you know what to work on before or during the process.
Compensating Factors
Strengths in your file that can offset risk factors — reserves, employment history, low DTI relative to income, or other qualifying advantages.
Recommended Next Steps
A prioritized action list tailored to your profile — what to do now, what to address before applying, and how to move forward with confidence.
LO Review
Your report is reviewed by a loan officer who can provide context, answer questions, and help you interpret the findings for your specific situation.
Emailed and reviewed by a loan officer.
Once your Mortgage Intelligence Journey is complete, your report is emailed to you and placed in loan officer review. This is not an automated output — it's a real strategy document that a licensed mortgage professional reviews before you take next steps.
- Delivered to your email after journey completion
- Reviewed by a loan officer before follow-up
- Built on your actual profile, not generic assumptions
- Covers approval risks, not just approval likelihood
- Includes a prioritized next-steps action list
- Designed to be shared with your realtor
Complete the journey to receive your report.
The Mortgage Intelligence Report is the final output of all six steps. Start the journey, build your file, and receive a strategy document that actually reflects your situation.