Two global controls live on the Rates page beyond per-cell overrides: the rate offset and the reset to live rates action.
What A Rate Offset Is
A rate offset is a flat adjustment applied to every rate across every lender and term. It's a single number (in basis points or percentage points) that shifts the whole grid:
- Set a +10 bps offset and every rate goes up by 0.10%.
- Set a -5 bps offset and every rate goes down by 0.05%.
Useful when:
- You consistently negotiate better than posted across all lenders. Apply a global negative offset.
- You want to be conservative in your client conversations. Apply a global positive offset so your candidate math under-promises.
- You're testing scenarios without touching individual overrides.
When To Use An Offset Vs Per-Lender Overrides
- Use an offset when the adjustment is uniform across lenders.
- Use per-lender overrides (Adding Rate Overrides) when the adjustment is lender-specific.
You can use both - overrides stack on top of the offset.
How Reset To Live Rates Works
The Reset to Live Rates action wipes:
- Every per-lender override you've added.
- The global rate offset.
After reset, the grid shows pure posted rates from every lender - nothing custom on top.
You'll be asked to confirm before the reset goes through (it's not easy to undo).
What Gets Wiped (And What Doesn't) On Reset
Wiped:
- All per-cell overrides.
- The global rate offset.
Not wiped:
- Custom lenders you've added - they stay (with whatever rates they had).
- Hidden lenders - your hidden lenders list stays.
- Per-client rate overrides - these live on the client profile, not the Rates page. Reset doesn't touch them.
A Practical Reset Workflow
If your overrides have become stale (rates moved, your negotiated rates changed), it's often cleaner to:
- Reset to live rates to start clean.
- Add fresh overrides for the lenders where you actually have better rates today.
Rather than trying to remember which override is current.
What To Do Next
- Override specific lender rates: Adding Rate Overrides.
- Change a rate for one client without affecting your whole book: Changing A Rate For Just One Client.