The consolidation report shows the client what their monthly payment and total interest would look like if they rolled their other debts into a refinance. It's a one-time programmatic send.
What's In The Report
- The client's current monthly burden (mortgage + other debts).
- The proposed consolidated monthly payment.
- Monthly savings vs. their current situation.
- Total interest savings over the term of the new mortgage.
- A breakdown of which debts are being rolled in.
The math comes from the debts you've captured on the client's Debts page combined with the rate options on their Rate page.
When To Send
Send a consolidation report when:
- You've captured the client's debts.
- The monthly savings number is meaningful (typically $300+).
- The client has either expressed interest in consolidation or you want to plant the seed.
It works especially well as a follow-up after a renewal or refinance conversation.
Choosing Which Option To Send
Once debts are captured, the client's Debts tab lists every consolidation option (the recommended one plus any other viable paths such as a HELOC or a refinance against a different property). Each option has its own Preview Report and Send Report buttons, so you can choose whichever option fits the conversation, not only the recommended one. Every option that saves the client money also has a Why this option? explainer you can expand to see the reasoning in plain language.
Choosing What's Included
When you click Preview Report, the preview opens with a Report sections panel on the right. Toggle individual sections on or off (current debt summary, the strategy, debts being paid out, before and after, the numbers) and the preview updates live. The report is sent exactly as shown, so you can tailor it to what matters for that client.
The preview also has a Download PDF button in the top right. It saves the report as a PDF exactly as shown, with the option and sections you have selected, so you can attach it elsewhere or keep a copy.
How To Send By Email
Every email opens a rendered preview before anything is sent. This applies when you start from the client's Debts view, the Reports tab, or a report card returned by Ann.
- Open the client's Debts tab and find the option you want to send, or choose the Debt Report from the Reports tab.
- Click Send Report, Send via Email, or Review debt report, depending on where you start.
- Wait for the preview to load, then review the To and Subject lines, the selected Report sections, and the complete email.
- Click Send Report inside the preview.
The final Send Report button stays disabled until the rendered preview is ready. If the send fails, the preview stays open so you can review it and try again.
This is a one-time send - there's no monthly toggle for consolidation reports. If you want to send another later, repeat the send flow.
Sending Via SMS
If you've connected RingCentral, choose SMS or Send via SMS. SMS sends directly without opening the email preview.
Required Setup
For the report to make sense, you need:
- Client debts captured (Adding Client Debts).
- A valid current rate and balance on the mortgage.
- An email or phone number on file for the client.
What To Do Next
- Capture debts first: Adding Client Debts For Consolidation Analysis.
- Compare to the equity report: The Equity Report.
- For all report types side-by-side: The Four Report Types At A Glance.