Phase 1

EFAM CRM

Private-login web access for rate sheets, housing scenarios, preapprovals, CRM, and the in-progress LOS workspace.

Session Security

Still there?

This session is about to sign out because the app has been inactive.

5:00

Private Login

Use the web-only credentials you configure for this app. Access is intentionally closed.

Email / Username Password

Your Name Email Password

Verification Code

Email Code

New Password

Enter the six-digit code from your authenticator app. A saved recovery code also works.

Authenticator or recovery code

Secure this account with an authenticator.

Scan this QR code with Microsoft Authenticator, Google Authenticator, or another TOTP app.

Can't scan the QR code?

Enter this setup key manually:

Six-digit code

Save these recovery codes now.

Each code works once if your authenticator is unavailable. Store them somewhere separate from this computer.

Shared Active Rate Sheet

Upload one shared workbook that every signed-in session uses for housing scenarios.

Profile Workbook

Daily Rate Sheet

Local web version of the daily rate sheet. Built for phone use first and browser print-to-PDF.

Assumptions

These assumptions drive the pricing and payment math for the 8 daily rate sheet sections.

Profile Comp % Purchase Price Loan Amount Credit Score Other Adjustment % Annual Taxes Annual Insurance Occupancy State County DTI First-Time Homebuyer Self Employed DTI Above 45

Print Header Branding

Brand Profile: Default. These details and the logo feed the printable rate sheet header and are stored in shared app storage.

Company Name Company NMLS Company Phone Company Email Officer Name Officer Title Officer Phone Officer Email Officer NMLS Email Signature (Paste from Outlook)

No logo uploaded yet.

Upload a company logo once and it will follow the printable rate sheet.

Company Logo

CRM Daily Send

Save one default daily rate sheet profile, create today's email package with commentary + PDF, then send it to your list.

CRM Daily Review

Review Email Package

Email Subject Commentary (Editable)

Recipients (Confirm Before Send)

Email Preview

Rate Sheet Preview

Expert Quote

Walk through all 6 sections to generate a live rate recommendation, payment breakdown, and printable quote details.

Expert Quote Builder

Get an Expert Quote

Walk through a guided flow so we can recommend the right rate option and estimate a realistic monthly payment.

Section 1 Of 6

Loan Type

What kind of loan are you taking out?

Section 2 Of 6

Property Price And Payments

Purchase selected. How much is the property, and how do you want to structure the loan?

Property Price Loan Value LTV Down Payment

Smart Sync

Property price stays fixed. The last loan field you changed drives the other two.

Program minimums can vary, but a common starting point is around 5% down for conventional, 3.5% for FHA, and low-to-no down payment for eligible VA or USDA borrowers.

Section 3 Of 6

Property Info

Tell us a bit more about the property so we can keep narrowing the quote.

Occupancy Type Property Type

Residence Guide

Primary: The home you plan to live in as your main residence for most of the year.

Secondary: A second home used mainly for your own personal occupancy. Eligibility rules can vary by lender, distance, and intended use.

Investment: A property you are buying to rent out, hold for income, or otherwise use as an investment rather than a residence.

Section 4 Of 6

Financials

Tell us a bit about the financial picture we should use for the quote.

Credit Score Household Members Annual Household Income

Financial Snapshot

We are using direct number inputs here so the quote flow can stay more precise than a broad score bucket.

Household members and household income are being collected now so we can support future qualification and assistance logic without changing the flow later.

Section 5 Of 6

Property Location

Where is the property located?

State County ZIP Code

Licensing Check

Utah counties are available now. If a different state is selected, we will pause the flow and show a licensing message before continuing.

Section 6 Of 6

Today's Rates

Live pricing generated from the active rate sheet using your quote details.

Home Price Down Payment % Credit Score

Save Lead

Capture quick contact info for follow-up. The last quote is attached automatically when available.

Name Phone Email Notes

Borrower Swiss Army Knife

Keep preapproval, self-employed income math, and credit-read notes in one workspace.

Borrower Intake

Start with the reason for the call, then let the numbers and document checklist turn it into a useful next step.

Borrower Name Phone Email Monthly Income Income Basis

Income Unknown

Monthly Debts

Cash Option Cash Available Retirement / 401k Available Credit Score

Program

VA eligible FTHB Use 401k funds

Timeline Interest Rate

Use this for quick buying-power calls. Specific House stays separate below.

House Lookup

Pull a known house from House CRM, then finish the borrower details below.

Target Price Monthly Comfort Timeline Current Housing Payment Question / Notes

Borrower Details

Fill the minimum contact, credit, property, and realtor context needed to answer the call cleanly.

Borrower Name Credit Score Purchase Price Down Payment Loan Amount Phone Email Age Realtor Name Realtor Email Property Type Subject Property Address

Type a borrower name and we will tell you if the client already lives in CRM.

Manual contact fields are mainly for borrowers who are not already in the database.

Down Payment Is Sourced Property Is TBD

Program Compare

Leave Best Option on to let the app pick the cleanest pricing. Turn it off when you want to drive the comparison yourself.

Best Option

No specific program picked yet. Best Option will compare the main purchase families.

Purchase price stays fixed. Down payment is currently driving loan amount.

Income

Use hourly inputs, or switch to manual monthly qualifying income when you have a tax-return worksheet result.

Use Manual Monthly Qualifying Income Manual Monthly Qualifying Income Hourly Rate Hours / Week Weeks / Year Overtime / Month Bonus / Month

Use Base Income Use Overtime Use Bonus

Manual monthly income overrides hourly + overtime + bonus inside the DTI math when enabled.

Housing Expense

Pull current pricing from the active sheet, then layer in taxes, insurance, MI, and closing assumptions.

Interest Rate Term Years Monthly Taxes Monthly Insurance Estimated MI Seller Paid Costs Days Until Close

Rate Cost / Credit Underwriting Fee Credit Report Appraisal Title Closing Fee Title Insurance Recording Fee Total Closing Costs

Pulling pricing will update the note rate, MI estimate, loan amount, and rate cost / credit. The rest of the fee stack stays editable.

Title closing fee and title insurance start from purchase-price-based estimates and can be edited when you have real title numbers.

Letter Type And Docs

Choose the intended letter type, then mark what you have actually reviewed so the app can warn you before a shaky preapproval goes out.

Requested Output

Income Docs Asset / Bank Statements Credit Report REPC Title Insurance

If the property is still TBD, REPC is treated as not required for the recommendation.

Debts

Enter monthly liabilities from the credit report. Turn a debt off when it will be paid off before closing so it stays out of DTI.

Income Calc Workspace

Select income type first, then complete only the forms/schedules that exist in the file.

Income Type Borrower Name Business Name Corporation EIN Ownership % Income Decline Policy Distribution Access Policy Manual Override Annual Income Manual Override Note (Required if override used)

Underwriter Notes

Show Raw Tax Data In Results

W-2 Analysis

Reconcile W-2 Box 5 with 1040 total income and validate with paystub support.

Year 1 (Older Year)

Tax Year W-2 Box 5 (Medicare Wages) 1040 Total Income (Line 9) Employer Name

Year 2 (Most Recent Year)

Tax Year W-2 Box 5 (Medicare Wages) 1040 Total Income (Line 9) Employer Name

Current Paystub Validation

Use current paystub data to confirm stability and reasonable continuance of W-2 earnings.

Paystub As-Of Date YTD Gross Pay Current Period Gross Pay Pay Frequency Months Elapsed In Year (for YTD annualization) Variable Income Notes (OT/Bonus/Commission)

Year 1 Inputs

Oldest of the 2 years analyzed.

Tax Year

1040 Personal Return

W-2 Wages (1040 Line 1) Adjusted Gross Income (1040 Line 11) Include Schedule B Interest (1040 Line 2b) Schedule B Taxable Interest Include Schedule B Dividends (1040 Line 3b) Schedule B Ordinary Dividends Include Schedule D Capital Gains (1040 Line 7) Schedule D Net Capital Gain/Loss Include Schedule C (Line 31 Net Profit/Loss) Schedule C Line 31 Net Schedule C Business Closed/Discontinued Schedule C Exclusion Note (required if excluded) Include Schedule E (Schedule 1 Line 5) Schedule E Total Income/Loss Schedule E Entity Breakdown (one per line) Include Schedule F (Line 34 Net Profit/Loss) Schedule F Line 34 Net Schedule F Business Closed/Discontinued Schedule F Exclusion Note (required if excluded) Include Schedule 1 Other Income (Line 8) Schedule 1 Other Income

S-Corp Return (1120-S + K-1)

Source guide: 1120-S lines 7, 8, 14, 15, 19, 21; K-1 boxes 1, 2, 16; Schedule L end-of-year column (d).

Corporation Name (K-1 Header) EIN (K-1 Header / 1120-S Page 1) K-1 Ownership % (Ending, K-1 Item J) Ownership Changed During Year Beginning Ownership % (K-1 Item J) Ownership Change Note (required for transition year) K-1 Box 1 Ordinary Income/Loss (K-1 Box 1) K-1 Box 2 Rental Income/Loss (K-1 Box 2) K-1 Box 16 Distributions (K-1 Box 16 Code D) K-1 Section 179 Deduction (K-1 Box 12 Code A) K-1 Other Adjustments (K-1 Other boxes/codes) Include Co-Borrower K-1 From Same Entity (if both on loan) Co-Borrower K-1 Box 1 (same entity) Co-Borrower K-1 Box 16 Distributions Co-Borrower Ownership % (ending) K-1 Income Already At Borrower Share 1120-S Line 21 Ordinary Income/Loss Officer Compensation (1120-S Line 7) Total Salaries/Wages (1120-S Line 8) Depreciation (1120-S Line 14 / Form 4562) Amortization (Form 4562 Part VI / Stmt) Depletion (1120-S Line 15) Other Deductions (1120-S Line 19) Line 19 Breakdown Notes (1120-S Statement) Non-Recurring Expense Addback Non-Recurring Addback Note Unsustainable Income Reduction Unsustainable Income Note Meals Exclusion (1120-S Line 19 Statement)

Schedule L Total Assets (Line 15d) Schedule L Total Liabilities (Lines 16-20d total) Schedule L Retained Earnings (Line 24d) Schedule L Cash On Hand (Line 1d) YTD P&L Net Income (Optional) YTD Retained Earnings (Optional)

Year 2 Inputs

Most recent year used for trend and stability checks.

Tax Year

1040 Personal Return

S-Corp Return (1120-S + K-1)

Source guide: 1120-S lines 7, 8, 14, 15, 19, 21; K-1 boxes 1, 2, 16; Schedule L end-of-year column (d).

Credit Read Workspace

Upload the credit report, pull the lender-missed fields with OCR, and carry the read back into the borrower strategy.

Credit Report PDF

OCR uses the same document analyzer as LOS QC. Uploading here does not store the PDF.

Middle Score Total Monthly Liabilities (Credit Report) Revolving Balances Revolving Limits 12-Month Mortgage Lates 12-Month Installment/Revolving Lates

Recent Bankruptcy Recent Foreclosure / Deed In Lieu Major Disputed Accounts

Credit Notes

Housing Workspace

Use the same browser pricing workflow for batch housing packets or a single Open House. Everything runs through the HTML/API path, not Excel COM.

Listing Intake

Paste tab-delimited listing rows or load a text / CSV file, then parse them into the working queue.

Paste Listings

Bulk Housing is ready. Parse listings to build your queue.

House CRM

Track new listing imports, realtor outreach, responses, USDA checks, tags, follow-ups, and flyer regeneration from one place.

House CRM will load saved listing outreach here.

Open House Listing

Price one home with the same availability checks, program picks, printable flyer packet, and web renderer used by Bulk Housing.

MLS # Address City ZIP Code Asking Price Property Type HOA Monthly Beds Baths SqFt Days On Market Realtor Name Realtor Phone Realtor Email Brokerage Info Co-Agent Name Co-Agent Phone Co-Agent Email Buydown Type Seller Credit % (internal) Seller Credit $

House is still under construction

House Photo Click Choose Photo, paste an image, or drag one here.

Shared Assumptions

These assumptions apply to the active Housing mode before results are packaged into the ZIP export.

Profile Default Property Type Down Payment %s Credit Score State County Occupancy Term Years Comp % Other Adj % Monthly Taxes Monthly Insurance Other Fees

Program Families

Pick the families you want to preview for the batch or Open House listing.

MLS

House Detail

Address City ZIP Code Price Property Type HOA Monthly Realtor Phone Email Programs DOM Listed Date Status Color

Linked Clients

Open Houses

Open House Date Open House Note

Listing Verification

Verify Listing

MLS Number -

House Photo Click Choose Photo, paste an image, or drag one here.

Address City Property Type HOA Monthly ZIP Code Realtor Name Realtor Phone Realtor Email Brokerage Info Co-Agent Name Co-Agent Phone Buydown Type Seller Credit % (internal) Seller Credit $

House is still under construction

LOS Loan Pipeline

Start with the pipeline list, open one loan at a time, complete the 1003, and run document QC from upload through verification.

LOS workspace will load after sign-in.

Loan Pipeline

Click a file to open its loan workspace.

Loan Workspace

LOS Pipeline

Start New Loan File

Create the file shell first, then verify docs and QC from the workspace.

Borrower Name Email Phone Birth Date Credit Score Loan Purpose Status Property Type Purchase Price Address City State Zip Application Date Property Is TBD

Internal Notes

Document Analyzer

Information Confirmation

CRM Workspaces

One shared CRM for partner, client, task, and pipeline management across the EFAM app and browser.

Outlook Contact Sync

One-way sync from CRM to the MLO CRM contact folder in your Microsoft 365 mailbox.

Outlook Contacts status will load after sign-in.

Realtor workspace will load after sign-in.

Brokerage workspace will load after sign-in.

Client workspace will load after sign-in.

Daily operating plan

Brysen's plan for today

Building today's plan from shared commitments and tasks.

Timeline

Plan of attack

Checking shared storage.

Task Planning type Due Estimated time Assign to Priority Location Drive time

Team tasks

Recent activity

Client

Full Name Phone Email Preferred Contact Workspace Bucket Stage Follow-Up Linked Realtor Lead Source

Notes

Realtor

Full Name Phone Email Brokerage Name Internal Stage Partner Status Lead Source Preferred Contact Market Area Next Action Follow-Up Date Last Contacted

Brand Company Brand Company Phone Brand Company Email

Headshot Company Logo

Tasks

Track follow-ups, loan milestones, due dates, ownership, reminders, and recurring touchpoints.

Calendar

Month, week, and day task calendar backed by the same local task store.

Microsoft Sync

Optional local-to-Graph sync status for Outlook Calendar and Microsoft To Do.

Task Calendar

Task

Title Description

Status Priority Due Start Owner Task Type Linked Type Linked ID Linked Name

All Day Recurrence Rule

Heads-Up

Daily rundown emails include open tasks for the day. Timed heads-ups use the task due time.

Timed Heads-Up Custom Minutes Before

Include in daily email rundown

Email

Send from the same SMTP account used for CRM outreach, bulk housing packets, and future CRM follow-ups.

Mail Account

SMTP and vault status.

Promo Attachments

Active flyer for outgoing app emails.

Promo Flyer Active Through

Bulk Housing Review

Realtor packet send queue.

Compose

Send a one-off email.

To Subject Message

Templates

Campaign defaults and signatures.

Campaign Saved Template Template Name Make Default

Tokens {{first_name}} {{recipient_name}} {{listing_subject}} {{listing_lines}} {{listing_count}} {{address_summary}}

Subject Message

Signature Defaults

HTML Signature Text Fallback