Smarter Loan Pricing Starts Here

Next-generation loan pricing powered by 1 Solution - Run scenarios, get instant rates, verify pricing, and send proposals to customers in seconds

LEGACY SYSTEM

The Old Way

OUTDATED • SLOW
Rate Sheets
Deprecated
Multiple Rate Sheets

Getting rate sheets on email for each product from different lenders

Manual Calculations

Complex spreadsheets and manual pricing for each loan scenario

Manual Verifications

Calling lenders to verify pricing and eligibility manually

Slow Comparisons

Time-consuming manual rate analysis and comparison across lenders

TRANSFORM
NEXT-GEN PLATFORM

The 1 Solution Way

INSTANT • SMART
PPE Dashboard
Live
Run Scenarios Fast

Select programs and get instant rates from all lenders

Eligible/Ineligible Rates

Get complete rate analysis with eligibility status

Instant Verification

Verify pricing directly from lender or get instant confirmation

Share with Customers

Send verified pricing instantly to your customers

EVOLVE NOW

Why We Made PPE

We’re transforming the lending industry with an easy-to-use pricing engine simple, clean, and fully transparent. No complex options, just pricing that works for everyone.

Connect Everyone

Create a central hub where loan officers connect with multiple lenders, expanding options and finding the perfect match for every client.

Simplify Everything

Eliminate complexity with smart pricing technology. No spreadsheets, no headaches just instant clarity and simple comparisons.

Instant Reality

Real time pricing that used to take days now happens in milliseconds, giving you immediate, actionable results.



Feature Comparison

See how 1SMTG PPE compares to traditional pricing engines

Feature 1SMTG PPE Traditional PPE
Pricing Engine
Proposal Generator
Send via Text & Email
Rate Alerts
CRM Sync
Rate Comparison
Rate Sheet

Complete Solution

1 SMTG PPE provides everything you need - from pricing engines to client communication tools, all integrated into one powerful platform.

Full Featured

Limited Features

Traditional PPE solutions only offer basic pricing calculations without the comprehensive features needed for modern mortgage operations.

Basic Functionality
Run Your Scenario

Smart & Simple Loan Filtering

Most pricing engines in the market are complex, with too many options in one place. We made it simple and clear: scenarios are divided into three categories just enter the information, hit search, and get instant results.

Loan Information

Set your loan parameters to get precise matching results from PPE

Category Type
Conventional, Government, Non-QM
Product Type
Fannie Mae, Freddie Mac, FHA, VA, USDA, Full Doc, Alt Doc, Jumbo, DSCR, ITIN, HomeReady/HomePossible
Loan Purpose
Purchase, Rate & Term, Cash-Out
Amount & LTV
Automatic LTV calculation for accuracy

Customer Information

Select your customer details and eligibility criteria to get tailored loan options.

FICO Score
Credit scoring & eligibility
Income Documentation
Full Doc, Alt Doc, DSCR
Eligibility
First-time buyer, Limited Income
Special Programs
Streamline, Down Payment Assistance / Grant Money, Limited IncomeFirst Time Home Buyer, Streamline, Down Payment Assistant / Grant Money,Limited Income

Property Information

Accurate Loan Matching Based on Property Details

Occupancy
Primary, Second Home, Investment
Property Structure
Single Family, Condo, PUD
Property Details
Property type, number of units
Location & County
Enter state and ZIP—auto-checks county, loan limits, and tax rate
RESULTS

Real-Time Product Results

Get instant access to up-to-date lender results, including rates, product details, and eligibility. Quickly see which lenders offer the best rates and check reviews to make informed decisions.

Eligible: 12
Ineligible: 3
Customization
Compare Products
Product
Updated
Lock
EPO
Rate
P&I
Bps
Price
APR
T Payment
Closing Cost
Final Number
1. 30 Year Fixed
ABC Mortgage Co Approved
Updated: 2 hours ago
Lock: 30 days
180 days
Rate: 6.250%
P&I: $1,849
Bps: 99.750
Price: $2,494
APR: 6.342%
Total: $2,456
Closing Cost: $8,500
Final Number: $4,994
2. 15 Year Fixed
XYZ Lending Group Approved
Updated: 1 hour ago
Lock: 30 days
180 days
Rate: 5.875%
P&I: $2,667
Bps: 101.125
Price: $2,531
APR: 5.956%
Total: $2,456
Closing Cost: $7,200
Final Number: $5,331

Result Details

All Fees Included

Escrow, title, PMI, and other third-party fees are built right into PPE. You can see them instantly in your pricing, and customize if you prefer your own title company or service provider. Everything stays accurate, transparent, and easy to adjust.

Escrow Fees
$350
Title Fees
$575
PMI
$93/mo

Smart Pricing & Adjustments

In our PPE engine, adjustments are designed to give you a clear, accurate picture of mortgage pricing. FICO adjustments reflect how a borrower’s credit score impacts their rates, ensuring risk-based pricing is accounted for. Property adjustments consider factors related to the specific property, such as type, occupancy, or location, which can affect loan terms. State adjustments capture variations in regulations, taxes, and market conditions across different states. Beyond these, our platform also incorporates other adjustments, including lender specific points, fees, or proprietary criteria, seamlessly integrated to provide a complete, precise rate comparison tailored to each scenario.

FICO Adjustment
+0.125%
Credit Score Impact
Property Adjustment
+0.250%
Property Type
State Adjustment
-0.125%
State Factor

Rate Lock Periods

Rate Lock Periods are a key part of your mortgage strategy, defining how long your interest rate is protected from market changes. Shorter lock periods generally offer better rates but require faster closings, while longer periods provide more flexibility at slightly higher costs.

QM Loans meet all Qualified Mortgage standards and deliver the best rates with built-in consumer protections NON-QM Loans handle more complex scenarios with extended timelines.

MLOs can select the optimal lock period based on your closing schedule, market conditions, and loan requirements. Each option includes detailed pricing with Principal & Interest payments clearly displayed.

30 Day
7.125%
QM
45 Day
6.990%
QM
60 Day
6.875%
QM
90 Day
6.375%
NON-QM

Understanding QM vs NON-QM Loans

QM (Qualified Mortgage)
Green indicators show QM loans that meet all CFPB requirements:
  • Meets ability-to-repay requirements
  • Safe harbor from legal challenges
  • Lower risk for lenders
  • Better pricing available
NON-QM (Non-Qualified)
Red indicators show NON-QM loans that exceed QM limits:
  • Higher loan amounts allowed
  • Flexible documentation options
  • Alternative income verification
  • Higher rates/fees may apply

Estimated Monthly Payment

Principal & Interest forms the core of your mortgage payment, representing the amount applied to your loan balance and the interest charged for borrowing. This amount varies based on your interest rate, loan amount, and loan term, with longer terms typically resulting in lower monthly payments but higher total interest over time.

Hazard Insurance protects your property against damage and is required by all lenders. Real Estate Taxes are based on your property's assessed value and local tax rates, collected monthly to ensure funds are available when tax payments are due. Mortgage Insurance may be required for loans with less than 20% down payment, protecting the lender against default while enabling homeownership with lower upfront costs.

The Total Monthly Payment combines all these components into one manageable amount. This total ensures all obligations are met on time, preventing delinquency and protecting your credit score. Payment amounts may adjust over time due to changes in taxes, insurance premiums, or the expiration of mortgage insurance.

P&I
$2,561
Core Payment
Insurance
$75
Hazard
Taxes
$461
Property
PMI
$93
Required
Total
$3,190
Monthly
Actions

Price Verification

Not sure about the price? Send a price verification request.

Instantly verify pricing
Real human review available
Get confirmation before locking the rate

Rate Lock

Secure Your Rate

Lock your selected rate to protect your deal from market volatility.

Instant lock submission
Lock and continue shopping for better options
Flexible lock extension options

Loan Submission

Direct Processing

Submit completed loan files directly from PPE to your processor for faster and smoother processing.

Direct loan submission from PPEn
Processor assignment
Track your loan progress in Loan Status

Rate Sheet

Comprehensive Rate Documentation

Download detailed rate sheets from different lenders with complete program information and pricing adjustments

Complete program details
Adjustment breakdowns
Excel export options

Proposal

Professional Client Documents

Generate professional loan proposals with clear formatting and a complete breakdown of rates.

Custom branding options
Complete breakdown of rates
PDF export capability

Rate Comparison

Side-by-Side Analysis

Compare multiple loan scenarios side by side to quickly identify the best option for your client.

Compare up to 3 rates or 3 different program options at once
Complete breakdown of pricing for each rate or program
Savings calculations

Add to Flyer

Marketing Materials

Create professional open house marketing flyers featuring your selected loan products.

Customizable templates
Property details integration
Add agent branding as well

Rate Alert

Market Notifications

Set up custom rate alerts for your clients and stay updated on market changes.

Custom rate thresholds
Email & SMS notifications
Rate tracking

Product Image

Total Control. Maximum Flexibility.

From compensation structures to multi-branch setups and built-in fee calculations, PPE adapts to the way you run your business. Compare lender-paid, borrower-paid, or correspondent options, manage multiple branches with unique comp plans, and see all fees instantly included in your pricing. Everything connected. Everything is adjustable. Everything in one powerful system.


Run Every Compensation Scenario

Price loans as lender paid, borrower paid, or correspondent. Switch between options in seconds and compare results side by side. PPE gives you full control so you can choose the setup that works best for your deal.

Multi-Branch & Multi-Company Pricing

Set different branches with their own comp plans and run pricing across multiple lenders. PPE shows all rates side by side so you can compare, adjust, and choose the best option quickly. One system, multiple setups, zero hassle.

MLO Compensation

Built-in Mortgage Loan Officer (MLO) compensation is fully transparent and compliant with all regulations. Once set, the compensation based on your configured BPS will be reflected automatically in the MLO Comp tab in PPE.



Frequently Asked Questions



Frequently Asked Questions

Got Questions About PPE? We're Here to Help

Below you'll find answers to the most common questions about our Product & Pricing Engine—covering rate calculations, loan scenarios, comparisons, and more. If you still need help, don't hesitate to Contact us

With our PPE, you can generate a complete, branded mortgage proposal in seconds after entering the basic scenario details. The system automatically calculates all figures and formats a professional PDF ready to send to clients.

When you enter a ZIP code, our system automatically identifies the county, pulls the correct loan limits, and estimates property taxes based on that location. You can always override the tax estimate if you have more accurate information from your client.

Yes, you can select up to three different loan products from any loan type (Conventional, Government, or Portfolio) and generate a detailed comparison PDF that shows them side-by-side with all relevant details including rates, payments, and costs for your client.

If rates aren't ideal when you run a scenario, you can set a target rate and our system will automatically monitor the market. When rates reach your target, both you and your client will receive a notification via email or SMS, allowing you to lock in better rates for your clients.

The QM (Qualified Mortgage) status shows which rates your client is likely eligible for:
  • Green QM: Your client meets standard qualification criteria
  • Red QM: The rate may be harder to qualify for based on the scenario details
  • Yellow QM: Transitional status between QM and Non-QM

Our PPE uses real-time lender data and updates rates multiple times daily. All calculations include lender-specific adjustments, compensation, and fees, ensuring the rates you see are what your clients will actually get. The system also accounts for credit score, LTV, and other qualifying factors.
Yes, the PPE allows you to adjust various parameters including interest rates, loan terms, buy-down options, escrow waivers, insurance types, and monthly fees. You can also modify property taxes and hazard insurance amounts to match your client's specific situation.

After running a scenario, you can instantly generate professional marketing flyers that include property details, loan information, rates, and your contact information. These flyers are perfect for open houses, client presentations, and marketing campaigns. You can customize templates with your branding.

The PPE supports all major loan types including Conventional, FHA, VA, USDA, Jumbo, and Portfolio loans. Each loan type has specific products and programs available, with real-time pricing from multiple lenders. You can filter by loan type to find the best options for your clients.

The PPE automatically calculates MLO compensation based on your commission structure and the selected loan program. It shows both lender-paid and borrower-paid compensation options, ensuring compliance while maximizing your earnings. All compensation details are clearly displayed in the proposal and rate sheets.