Reviewing A Candidate

Clicking any row on the refinance, renewals, or reports page opens the candidate detail view. It's where you get everything you need before sending an outreach or having a conversation.

Opening The Detail View

Click anywhere on a candidate row. The detail modal slides in with the client's full profile.

To go fullscreen for a deeper review, click the expand icon in the top-right of the modal.

What's In The Detail View

The view is organized into tabs across the top:

• Summary - current mortgage at a glance, projected savings, the best rate option, key contact info, and any co-borrowers imported with the deal.
• Equity - full equity picture for the subject property. Walks through value, mortgage balance, equity, LTV, HELOC scenario, and reverse mortgage scenario. Add additional properties here. If a client has shared their own home value, a client perceived value line shows under the estimate with a Use Value button. See What The Equity Page Shows.
• Debts - capture client debts (credit cards, HELOCs, auto loans, etc.) so we can show the consolidation savings opportunity. See Adding Client Debts For Consolidation Analysis.
• Rate - the best option card with lender comparisons. You can override the rate for just this client here. Its Flags section also raises things worth a look, including when a client values their home higher or lower than our estimate.
• Strategy - tailored mortgage strategies for this client, the best time to break the mortgage, and an email you can send. See Exploring Strategies For A Client.
• Reports - send equity or consolidation reports, add a realtor, enable monthly reports.
• Screening - the client's AML screening history. Screen Now / Screen Again opens the full screening dialog (risk rating checklist, PEP attestation) with the client's name, email, and date of birth already filled in. Completed screenings have a Preview button that opens the full screening report (PDF preview, match breakdown, and risk rating) without leaving the client profile. If the client is on a re-screening cadence, the tab header shows a Next screening chip with the soonest scheduled date. See Running A Screening On A Client.

Actions Available

From the detail view you can:

• Send a candidate report (IRD outreach email). See Sending A Candidate Report.

• Schedule a send for later and toggle automated follow-ups. See Scheduling Sends And Automated Follow-Ups.

• Download a refinance report PDF or penalty result PDF to send yourself. See Downloading Refinance And Penalty Reports.

• Enable or disable monthly equity reports for this specific client. See The Equity Report.

• Snooze a client until a date. Open the ... menu in the header and choose Snooze until a date, then pick a day. At 9:00 AM your local time on that day, BrokerPlus emails you a reminder that the snooze is over, with a link straight back to the client - handy when a client says "call me in the spring". While a snooze is set, a gold bell appears in the header beside the ... menu and the menu item shows the date; click either to change the date or unsnooze right away. Snoozing only schedules your reminder - it does not pause automated outreach (use the block below for that).

• Block from automated outreach. Open the ... menu in the header and choose Block from outreach. A small window opens with two choices: This deal only blocks automated outreach for just this one deal, leaving the client's other deals eligible; This client blocks the client across all their current and future deals, even ones imported later. A red email icon appears in the header beside the ... menu when the client is blocked at one of those levels. While blocked, the client will not receive automated refinance or renewal outreach emails, though manual sends (the Send button and mass send) still go through. Open it again to unblock. You can also review and unblock clients in bulk from Settings > Outreach under Block list.

• Edit client details. Click the pencil beside the name in the header to open the Edit Client window, where you can update the client's name, email, phone number, birthday, and co-borrowers. Nothing changes until you click Save. For the name, you can enter a full name or a couple of names together (for example "Sarah and John Adams") - the client's reports greet them by the first name only. A saved email change takes effect everywhere from that point on: manual sends, automated outreach, and recurring reports all go to the new address, and an outreach block set for the client follows them to the new email. When a birthday is on file, it shows under the client's contact info in the header.

• Update client info (mortgage details, contact, etc.) inline. The current rate is editable too: fixed mortgages take a percentage, and variable mortgages take a spread to prime. Click the P+/P- prefix to flip between prime plus and prime minus (prime plus is common on lines of credit), and the computed rate shows beside the spread so you can see exactly what the savings math will use.

• Set the original balance vs. read the estimated balance. Two separate lines on the Rate tab, to keep them from being confused. Original Balance is the funded amount on the file (for example $1.5M at origination) - click the pencil to set it. Est. Balance is that original amount amortized forward to today, assuming on-time scheduled payments, so it steps down a little each month rather than sitting at a stale figure. Editing the original balance re-projects the estimate for you (unless you've typed a manual statement balance, which we keep). Hover the info icon on either line to see the details. Click the pencil beside Est. Balance to type a fresh statement balance whenever you have one, and the estimate re-anchors from that date. To go back to the calculated estimate after you've pinned a manual balance, edit that line, clear the field, and press Enter.

• Override the monthly payment. The Monthly Payment line on the Rate tab shows the scheduled payment we compute from the original balance, rate, and amortization, with a ~ in front to show it's an estimate. On a split or readvanceable mortgage the payment reflects only the amortizing term portion - line-of-credit segments are excluded. If you have the client's real payment, click the pencil and type it. The entered figure drops the ~ and carries through everywhere the payment is used: the projected savings, the amortization impact, and the reports. Click the reset icon beside it to revert to the calculated payment.

• See or set the lender account ID. The Account ID line on the Rate tab holds the lender's mortgage / loan account number for this client - handy when you call the lender. Imported clients already carry it from the source file; click the pencil to add or correct it. It also flows into your client export.

• Lock a client's data (principal brokers only). Open the ... menu in the header and choose Lock client data. Once locked, only you can change that client's deal details (lender, account ID, balances, rate, term, maturity, payment, status) and borrower details (name, email, phone, birthday, co-borrowers) - everyone else on the team simply sees no pencils on those fields, so nothing can be edited by accident on a file you've already submitted. The rest of the client stays open to the team: debts, reports, screening, and outreach all work as usual. A lock icon in the header beside the ... menu shows the client is locked (hover it for who locked it and what that blocks), and clicking it (or the menu item) asks you to confirm before Unlock client data hands editing back. The option only appears when you have teammates who can edit, since there is nothing to protect the file from on a solo account.

• Read or adjust the remaining term. The Remaining / Term line on the Rate tab shows how many months are left until maturity, counted live from today to the maturity date, so it ticks down over time instead of sitting at the figure it had on import. Click the pencil to edit the remaining months, the total term, or the maturity date - the three stay in sync, and a maturity date you type is kept exactly as entered.

• Split a line of credit out of the balance. The split icon next to the original balance carves a bundled line of credit into the client's debts so penalty and savings run on the mortgage alone, and lets you undo a split later. It disappears while a client's data is locked, since splitting rewrites the balance. See HELOCs And Second Mortgages.

• Tune switching fees and cashback offers. At the bottom of the Rate tab, expand Fees & Offers. Switch fees (discharge, legal, appraisal, and more) count against net savings, and each fee can apply to just this client or to every client in your book. For renewal clients the fee inputs appear only when the best option moves them to a different lender, since staying put costs nothing to switch. Under Offers, type a cashback amount and pick its scope: This client keeps it on this candidate, while All (lender) clients makes it a lender-wide offer that automatically adds to net savings for every client whose best option is that lender. Pinning a different lender clears the client's cashback so an old offer never carries over.

• Check collateral coverage. When a collateral charge is on file (set it in the Mortgage segments editor), Fees & Offers shows a note comparing the registered charge to what this refinance needs. If the charge covers it, the note confirms both figures and that no re-registration or legal cost applies; if it falls short, the note shows the exact shortfall to top up. With no charge on file the note stays hidden.

• Override the estimated penalty with the real figure. On the Rate tab, click the pencil beside Est. Penalty, type the actual penalty (for example, the number from the lender's payout statement), and it saves for this client. The manual figure then drives everything downstream - net savings, the best-option comparison, and every report and PDF. Click the reset icon beside it to revert to the calculated penalty. The penalty breakdown and strategic-exit views show a short note when a manual penalty is set, so you can see why the manual number can differ from the calculated breakdown.

• Override the penalty type. If you know the lender will charge a different method than the one we picked (for example, three months' interest instead of IRD), click the pencil beside Penalty Type and choose IRD or 3-mo interest. The estimated penalty switches to that method's calculated figure and everything downstream updates the same way as a manual penalty - net savings, best option, and every report and PDF. Forcing a type clears any manually typed penalty amount so the chosen method's math shows, and picking the method we already selected (or clicking the reset icon) reverts to the automatic choice.

Engagement Indicators

The detail view shows the client's engagement with past touches - opens, clicks, and report interactions. Use this to decide whether to send a fresh outreach or take a different approach.

Linked Deals

If the same client has more than one deal (matched by email), the header shows their other deals as linked chips, just under the engagement rating. One chip shows directly; when there are more, a +N linked deals pill appears - click it to open a list of every linked deal (lender, subject property, and balance) and jump straight into any one of them.

Those other deals also show up on the Equity tab as read-only "Existing deal" properties, so the client's full property picture rolls into portfolio equity. See Adding Additional Properties.

Co-Borrowers

When a deal has co-borrowers, the header shows them together: the title reads "Sarah Adams & John Adams" (or "Sarah Adams & 2 others" for larger households), with a stacked set of initials beside it. The refinance and renewals search bars also match co-borrower names and email addresses, then open the shared mortgage file under its primary client.

To add, edit, or remove co-borrowers, click the pencil beside the name to open the Edit Client window. Each co-borrower has a name, email, and phone; use Add to include another and the remove icon to drop one. Nothing changes until you click Save. Co-borrower details come across on import, so an edit here is remembered on later imports of the same deal unless you choose to overwrite everything.

What To Do Next

• Send your first outreach: Sending A Candidate Report.
• Capture additional properties or debts to sharpen the pitch: Adding Additional Properties, Adding Client Debts.