Purchase reports

Build a side-by-side comparison of up to three purchase loan options from a client's fee sheets.

A purchase report puts up to three loan options next to each other so your borrower can see — in one view — how a different rate, down payment, or fee structure changes their monthly payment and cash to close. Each option is one of the client's fee sheets, so the numbers in the report are the numbers you already priced.

Start a report

From a client's page (open Clients, then the client), click New report and choose Purchase — "Compare 1, 2, or 3 loan options for a new home." You can also start from the Reports page with Generate report, which asks you to pick the client first, or skip the chooser with New purchase report in the client's Quick actions.

The report builder opens with a live preview of the report on one side and your controls on the other. The type is set when the report is created, so a refinance comparison or single-loan breakdown is a separate report (see refinance reports and single-loan reports); while the report is still new you can switch types from the Report type section in the rail.

Pick the loan options

Under Loans to include you get three slots — Fee Sheet Option 1, 2, and 3. For each one, choose a fee sheet from the Fee Sheet dropdown. Only the client's purchase fee sheets appear here. You can also give each column a friendly Fee Sheet label ("30-yr fixed, 1 point") so the report reads like a conversation, not a spreadsheet.

You don't have to fill all three slots — a two-option comparison is often the clearest. One selected loan is the minimum; an empty report won't save.

What the report shows

The comparison table lines the options up row by row: purchase price, down payment, loan amounts, loan type and term, interest rate, APR, monthly payment, mortgage insurance, discount points, buydown funds, closing costs, total prepaids, cash deposit, lender credit, seller credit, other credits, and cash to close. Closing costs and prepaids each have an itemized pop-up view so a curious borrower can see exactly what's inside the number. In those two breakdowns, any line that's $0 across all three options is hidden automatically, so only the costs that actually apply are listed; the comparison table itself shows every included row.

Lender credit and seller credit each get their own line — borrowers ask about those two by name — and "other credits" is whatever's left (the extra credits you added by hand). As with every row, you can uncheck any of the three under Rows & charts if a report reads cleaner without it.

Below the table, charts and tables do the explaining for you:

Monthly payment difference — how each option's payment compares to Loan 1.
Total cash to close — the upfront cost of each option, side by side.
Savings over 60 months — interest savings over five years versus Loan 1.
Monthly payment breakdown — a donut per loan splitting principal and interest, taxes, insurance, and other monthly fees.

Customize what your borrower sees

The Include rows and Include charts sections let you check or uncheck anything above — hide rows that don't apply and trim the report to what matters for this conversation. Each chart's help text is editable, so you can rewrite the caption in your own words. Under Theme & title, set the report title and pick a color theme — three colors, the first one leading (custom colors are a Max feature).

Your Include rows choices apply to the downloadable PDF too, so a row you hide is hidden there as well. Include charts shapes the static report only — the PDF uses a fixed standard chart set.

Save and come back

Click Save in the top bar. Saved reports appear on the client's page under their Reports tab and on the global Reports page, where you can search by client or title, filter by type, and sort by last updated. Opening a saved report puts you right back in the builder to tweak and re-save.

Plans include a set allowance of saved reports (Max is unlimited) — see plans and billing or the pricing page for current limits. Deleting an old report frees up a slot.

When it's ready, send it — sharing reports with borrowers covers emailing the report and the PDF download.

Which report should I send? — purchase, refinance, or single-loan, and why it matters up front.
The report builder — live edits, rows, charts, and colors.
Fee Sheets — where each column's numbers come from.
Sharing reports with borrowers — email, PDF, and the borrower's view.
Mortgage glossary — the comparison rows, defined in plain words.