Sometimes you have a one-off rate for a specific client - a hold rate the lender's offering them, a special pricing on a non-standard mortgage, a relationship discount that doesn't apply to anyone else. You don't want that rate to apply to every other client in your database.
How Per-Client Overrides Work
Per-client overrides live on the client profile, not the Rates page. They only affect that one client.
This is fundamentally different from changes on the Rates page, which affect every client in your refinance and renewal database.
Setting A Per-Client Override
- Open the client's detail view.
- Click the Rate tab (or scroll to the Best Option Card on the Summary tab).
- Click the rate you want to change.
- Enter the new rate.
- Save.
The Best Option Card for this client updates immediately. Their projected savings, refinance candidacy, and all client-level math now use the override.
What's Affected
A per-client rate override changes:
- The Best Option Card for this client.
- The projected savings shown on their refinance and renewal rows.
- The email outreach if you send something now (the new savings number gets merged into the template).
It doesn't affect any other client.
Reverting A Per-Client Override
Click the rate again and choose Use market rate (or whatever the revert action is labeled). The client goes back to using your standard Rates page rates.
When To Use This Vs Page-Level Overrides
- Per-client override - relationship-specific rate, hold rate, one-off pricing. The override stays bound to this one client.
- Page-level override on the Rates page - applies to every client in your database. Use when the rate change reflects your standard pricing for that lender.
A Useful Mental Model
Think of it like this:
- Rates page = your default menu.
- Per-client override = a custom dish for one client.
You'd never change the menu just to handle one special guest.
What To Do Next
- See where the best option card lives: Reviewing A Candidate.
- For widespread rate changes, use the Rates page: Adding Rate Overrides.