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Single-loan reports

Turn one fee sheet into a clean, borrower-ready breakdown of a single loan.

Not every conversation is a comparison. When a borrower has already picked a loan — or you just want to walk them through one scenario clearly — a single-loan report turns one fee sheet into a focused breakdown: the loan details, a monthly payment breakdown chart, and itemized closing costs and prepaids.

When to use it

The report builder describes the Single type as "One loan, simplest output. Quick share." — and that's exactly the fit:

  • Single-loan report — one fee sheet, one clear story. Best for a committed borrower, a pre-approval conversation, or a quick "here's what this loan looks like" email.
  • Purchase report — up to several loan options side by side, for a borrower still choosing.
  • Refinance report — the current loan against one or two proposed loans.

A report's type is set when it's created, so if the conversation grows into a comparison, create a new purchase report rather than trying to convert.

Generating a report

There are three ways in:

  • From the client's page. Click New report and choose Single. The builder pre-selects the client's most recently updated fee sheet.
  • From a fee sheet. Open Clients, pick your client, and find the fee sheet in their list. Click the Single fee sheet report icon (the small bar chart) on that row and the report opens with the fee sheet's numbers already loaded. The icon appears on standard fee sheet rows — rows tagged with the Refinance badge don't have it, so start those from the report builder instead.
  • From the report builder. If you're already building a report for a client, open the Report type section and choose Single. The builder pre-selects the client's most recently updated fee sheet.

Either way you land in the report builder. The Fee Sheet section holds a single dropdown — switch it to base the report on a different fee sheet for the same client, or use the edit icon beside it to jump into the fee sheet, fix a number, and come back. If the client has no fee sheets yet, you'll be prompted to add one first.

Switching the dropdown re-draws the preview straight away and keeps you in the same report — it doesn't start a new one — so if you're editing a report you already saved, hit Save to keep the change.

What the report shows

The preview is the report your borrower sees. It includes:

  • A Loan Details table — purchase price, down payment, loan amount, term, interest rate, APR, monthly payment, and more.
  • A Monthly Payment Breakdown chart.
  • A Payment Schedule card, when the fee sheet has a temporary buydown.
  • A cash-due-at-closing Summary.
  • Itemized Closing Costs and Total Prepaids panels.

Use the Include rows and Include charts sections in the sidebar to tune exactly which lines and visuals appear, and edit the title if you don't want the default "Loan Analysis for [client name]."

Temporary buydowns

Every other figure on the report quotes the note rate, so on a 2-1 or 1-0 buydown the borrower would see only the payment they reach after the temporary period ends. The Payment Schedule card fills that gap: it lists each bought-down year with its rate and its payment, then the note-rate period the payment steps up to, along with what each early year saves per month and how much of the buydown funds covers the difference.

The card appears on its own whenever the fee sheet's Buydowns step has a rate and payment filled in, and is absent when it doesn't — there's no checkbox for it in Include charts. It carries into the downloaded and emailed PDF.

Saving and finding it later

Click Save to keep it. Saved single-loan reports show up:

  • On the client's page, tagged with a "Single fee sheet" badge.
  • On the Reports page in the sidebar, where the Single filter shows only this type.

Reopening a saved report puts you back in the builder, so you can adjust and re-save any time. Note that saved reports count toward your plan's report allowance — Max plans are unlimited; see plans and billing or the pricing page for current limits.

Sending it to the borrower

From the builder, Send emails the report to the client's address on file, and the PDF button downloads a polished, standard-layout PDF. For links and what the borrower experiences, see sharing reports with borrowers.