Tools for every showing, every listing, every close.
Your buyers need answers fast — how much can they afford, what’s the payment, should they go FHA or conventional? Your sellers want to know exactly what they’ll walk away with. We built the tools to answer those questions in seconds, and we close on time.
- Pre-approvals issued within 24 hours
- You’re cc’d on every milestone from application to close
- Tools you can share directly with clients at showings and listing appointments
Our mortgage calculator is always available for quick payment estimates. The tools below go further — affordability ranges, seller net proceeds, buy down scenarios, and more.
What Realtors Tell Us Matters Most
Speed
Pre-approvals within 24 hours. Rate quotes returned same day. When your buyer is ready to write an offer, we’re ready. We don’t disappear on weekends — real estate doesn’t stop on Friday afternoon, and neither do we.
Communication
Every realtor on a transaction gets milestone updates automatically — when the appraisal is ordered, when underwriting is complete, when we have a clear to close, and when we have a closing date. You’re never left wondering where the loan stands.
Problem Solving
We specialize in the transactions most lenders avoid: self-employed borrowers, multiple income sources, divorce refinances, and complex financial situations. When another lender has said no, we often find a path. That’s what keeps your deal from falling apart two weeks before closing.
Realtor Tools
Built for the questions you get at every showing and listing appointment. All tools are free to use and share with clients.
Affordability Calculator
Works backwards from income and existing debts to a purchase price range. Shows three DTI scenarios so buyers understand they have a range, not a single number — and helps you set realistic expectations before showings.
What Realtors Need to Know About Working With Us
How Pre-Approvals Actually Work
A pre-approval letter is not a guaranteed loan. What it represents depends entirely on what the lender actually verified. A fully underwritten pre-approval — where the borrower’s income, assets, and credit have been reviewed by an underwriter before the offer — is dramatically stronger than a pre-qualification based on stated numbers.
When you’re in a competitive offer situation, the strength of the pre-approval letter matters as much as the price. Ask us specifically about our pre-approval process and what we verify before issuing a letter.
What Actually Causes Delayed Closings
Most delayed closings trace back to one of five things: appraisal issues, title problems, last-minute credit changes, documentation gaps that should have been caught at application, and rate lock expirations from timeline slippage. We address each of these systematically. Appraisals are ordered within 48 hours of contract. We run a full documentation checklist at application. We monitor rate locks proactively and alert you if a timeline is at risk.
The best thing a realtor can do to prevent closing delays: make sure your buyer doesn’t open new credit accounts, change jobs, or make large deposits after going under contract. We cover this with every buyer, but a word from their agent reinforces it.
Seller-Paid Buydowns as a Negotiating Tool
In a market where buyers are rate-sensitive, a seller-paid 2-1 buydown can close deals that a price reduction wouldn’t. A $10,000 price reduction only reduces a buyer’s monthly payment by about $60. The same $10,000 as a 2-1 buydown gives the buyer $300–400/month in relief in year one — ten times the perceived value per dollar.
Use the buy down calculator above to run this scenario with your clients at listing appointments. It often changes the conversation about concessions entirely.
Loan Programs Your First-Time Buyers Should Know About
Many first-time buyers assume they need 20% down. They don’t. Conventional loans go as low as 3% down. FHA goes to 3.5%. VA and USDA go to zero down for eligible borrowers. Colorado and Florida also have state-level down payment assistance programs that can layer on top of these.
The FHA vs. Conventional calculator above helps buyers understand the real monthly cost difference. In many cases, a buyer who qualifies for both is better served by conventional — but not always. The right answer depends on their credit score, down payment, and how long they plan to stay in the home.
How to Send Us a Buyer
The easiest referral is a simple email. Send us an intro with your client cc’d and we take it from there.
Send an email to ryan@elevationmtg.com with your client on cc. A quick intro is all we need — their name, target price range, and timeline.
We’ll reply to the thread within a few hours, introduce ourselves, and send your client a link to book a time on our calendar. No forms, no 1-800 numbers.
For buyers with straightforward documentation — W-2 income, standard assets — we can typically issue a pre-approval letter within 24 hours of a complete application.
Once pre-approved, we send the letter to you as well. From contract to close, you’ll get milestone updates at every key stage — appraisal ordered, underwriting complete, clear to close, closing date confirmed.
Ready to Send Us a Buyer?
Email us with your client on cc. We respond within a few hours and handle everything from there.