First Rate Buydown Calculator
Build a 1-0 buydown. Sell it prior to lock with a plain-English email + illustration PDF. Sell it at lock. They see year two coming.
FirstEquity
Price a Figure HELOC, type the quote, and get a branded borrower presentation PDF plus a matching ready-to-paste email. Their mortgage rate stays untouched.
SmartRate Advantage
Show a borrower the real trade-off between a lower rate and a bigger lender credit. Drag the timeline to their expected loan duration and the break-even, remaining benefit, and borrower PDF all follow.
Refi Rolldown
Current-vs-new refinance math with a borrower-ready PDF. Show the savings. Earn the refi.
Loan Cost Estimate
Build a preliminary loan estimate: every fee, bucket by bucket, as a branded OFM PDF. Mimics an LE so borrowers can see it early. Not the official LE.
Dropline
Record a voicemail on your phone and get back an MP3 Shape will actually take. Voice Memos makes an .m4a, which Shape rejects. Your voice, their inbox.
QuotePilot
Compare loan scenarios side-by-side for the borrower stuck on which rate. Pick scenarios → get a branded PDF + savings email. Show the math. Close the loan.
Fixed vs ARM
Put a 30-year fixed head-to-head with an ARM in seconds. Real worst-case payments, break-even month, and a clean comparison PDF you can hand a borrower.
BuyMax
Answer "what can I afford?" in 30 seconds. Plug in income + debts → max price + monthly payment + branded PDF. One number. Thirty seconds.
Blended Rate
Adds every card and auto into one true blended rate, then shows the consolidation refi side by side with today's payments. One number wins the call.
Amort Calc
Shows how fast the loan disappears when they pay a little extra or go biweekly, with the full schedule and a borrower-ready Payoff Plan PDF. Years off the loan, on one screen.
Lock Calendar
Lock date plus term gives you the real expiration, with weekends and federal bank holidays already handled. Never promise a closed day.
FirstDraft
Ready-to-copy OFM email templates for every moment in the loan. Pick the situation, copy the draft. Pick it. Copy it. Send it.
How-To Library
Every OFM system, written down. Videos, guides, and step-by-step walkthroughs for the stuff you do weekly and the stuff you touch twice a year. Look it up mid-call. Day one or year ten.
OFM Yearbook
The whole team directory in one place, with photos, titles, and teams. The whole team, one page.
FinePrint
OFM-branded email signature with your headshot, NMLS, phone, and links. Pulls your FirstSight headshot automatically. Copy the HTML into Gmail or Outlook. Sign every email like a pro.
FirstSight Studio
Make your headshot with the AI generator (Sunny's favorite build) or book a real session with him. One good shot you can use on your card, your signature, and your forms. Book it. Receive it. Create it.
Team Cards
Your OFM digital contact card - photo, tap-to-save, QR. One tap. You are in their phone.
FirstForms
Your Pre-Approval and Switch forms as branded PDFs, with your headshot, NMLS, and exec row already filled in. No more Canva per client.
First Contact
The borrower kickoff package: branded PDF + Outlook .eml + VCF contact cards from one form. Dictate or paste, it fills itself. Three formats. One click.
ClockBack
Missed punch or a wrong time on the clock? Send the correction straight to HR in one short form. No email chain.
MegaMaker
Drop in the lock log and Shape reports, get Matt's sales report out. Locks, fundings, calls, leader board. One email, ready to send.
sbibra@optimumfirst.com - happy to build it.