Refinance reports and penalty reports are downloadable PDFs - not programmatic sends. You generate, save, and send them yourself from wherever you want.
Where The Download Buttons Live
You'll find them in two places:
On A Client Profile
- Open the client's detail view.
- Click the Reports tab.
- Look for Download Refinance Report and Download Penalty Report buttons.
In The Penalty Calculator
After running a penalty calculation:
- The result page has download buttons.
- You can download the penalty result PDF and the lender options PDF.
See Downloading The Penalty Result And Lender Options for the Penalty Calculator side specifically.
What Each PDF Includes
Refinance Report PDF:
- Current mortgage at a glance.
- Best available rate.
- Projected savings (monthly, interest, total).
- Penalty estimate (IRD vs 3-month interest).
- Your branding (photo, name, brokerage logo).
Penalty Result PDF:
- Detailed IRD math (formula breakdown, inputs).
- IRD vs 3-month interest comparison.
- Lender-specific notes.
Lender Options PDF (from Penalty Calculator):
- The full lender comparison table.
- Best option highlighted.
- Net savings per lender + product.
How To Send The PDF
Once downloaded, attach it to:
- An email you compose yourself from your inbox.
- A text message.
- A meeting prep package.
- An IRD outreach email - see Sending A Candidate Report for attaching at send time.
Why Manual Sends?
These reports are intentionally manual because:
- They tend to be higher-stakes moments (you're prepping for a meeting or a serious conversation).
- You may want to add your own commentary, attachments, or context.
- They're for specific moments - not the long-term stay-in-touch program (which is the equity report).
What To Do Next
- See the full report-type matrix: The Four Report Types At A Glance.
- Generate inside the calculator: Downloading The Penalty Result And Lender Options.