HFG Why Now Analysis
Checking your sign-in…
Continue with Microsoft
Back to Tools Portal
Loan Officer Tool
Why Now Analysis
Client Analysis Tool · Homeowners Financial Group
Why
Now
Analysis
Complete the fields below, then click Generate Report to build your client presentation.
📖 How to run this analysis — Tutorial
Property & Client Details
Property / Development Name
Purchase Price
$
County / Market
Client Name (optional)
Loan Structure
Down Payment %
%
Loan Term
30 Years
20 Years
15 Years
25 Years
Loan Type
Conventional
FHA
VA
USDA
Jumbo
Temp Rate Buydown
None
3/2/1 Buydown
2/1 Buydown
1/0 Buydown
Additional Financing
$
Seller Concessions
$
Reduces cash to close
Rate & Points — Today & Future Scenarios
Today's Interest Rate
%
Today's Discount Points
pts
Est. Refi Cost (if rates drop)
$
Subtracted from buying-today benefit when future rates are lower
Future Period Assumptions
Period
Interest Rate
Discount Points
Seller Concessions
6 Months
%
pts
$
1 Year
%
pts
$
2 Years
%
pts
$
3 Years
%
pts
$
Closing Costs & Fees
Closing Costs
$
Prepaids & Escrows
$
Mortgage Insurance
Auto-calculated from loan type and LTV. Override by typing in either field.
Monthly MI
AUTO
$
AUTO
Upfront MI / Funding Fee
AUTO
$
AUTO
Conventional: no upfront MI
Finance upfront MI into loan
VA Use
First Use
Subsequent Use
Veteran is exempt (disability / surviving spouse)
Monthly Housing Costs
Est. Monthly Taxes
$
Est. Monthly Insurance
$
Monthly HOA
$
Used for Total Monthly & Annual Expenses rows. Taxes and insurance are held constant across waiting scenarios.
If the Buyer Is Currently Renting (Optional)
Enter the buyer’s current rent to show what they’d spend renting while they wait. Leave at $0 to hide the rent comparison.
Current Monthly Rent
$
Annual Rent Increase
%
Annual Appreciation Assumptions
Year 1
%
Year 2
%
Year 3
%
Loan Officer Information
All fields below are required and appear on the client report and its disclosures.
Full Name
*
NMLS #
*
Phone
*
Email
*
Office Address
*
License State
*
License Number
*
auto
Generate Report
→
Why Now — Client Report
Review the analysis below, then print or save as PDF to share with your client.
← Edit Inputs
Print / Save PDF