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The Refinance page is your daily working list. It surfaces clients in your book whose current mortgage could be improved (better rate, lower payment, debt consolidation opportunity) and tells you what they'd save.
Who Shows Up On The List
A client appears as a refinance candidate when:
- They're in your book (imported or added manually).
- Their current rate is high enough that the projected savings clear your eligibility threshold.
- They're inside the maturity window (typically, not too close to renewal - those go on the Renewals list instead).
The full set of criteria is broken down in How Candidates Are Detected.
What We Calculate For Each Candidate
For every candidate, you'll see:
- Current rate and balance (from your import or manual entry).
- Best available rate (from our live rates).
- Projected monthly savings after their penalty.
- Penalty estimate - IRD vs 3-month interest, whichever is higher. See Understanding IRD Math.
- Equity snapshot for context. See How Equity Is Calculated.
- Engagement score - how active the client has been with previous touches. See Filtering And Sorting The Refinance List.
Previewing A Candidate Without Opening It
Rest your cursor on any row for a moment and a preview card opens beside it - the client's projected savings, current mortgage, break fee, new rate, equity, and engagement at a glance. Move the mouse and it disappears; rest again to bring it back. It's a read-only peek, so nothing changes until you click the row to open the full detail view.
How Brokers Typically Work The List
Two patterns dominate:
- Set up auto outreach and skim Contacted. Turn on auto outreach, then watch the Contacted page for clients who reply Interested. Most brokers only need to manually touch the high-engagement clients.
- Filter and send manually. Use the toolbar (search, the saves-at-rate input, the tier select) and the Filters button to narrow the list - the panel lets you switch between new opportunities and all clients, tick one or more deal statuses, hide high-LTV clients under Flags, filter by mortgage start year or balance range, and pick your sort. A badge on the button shows how many filters are active, and Clear all resets everything. Then click through and send a candidate report one at a time. Full details in Filtering And Sorting The Refinance List.
Mix both. Auto outreach handles volume. Manual sends handle nuance.
What To Do Next
- Set your eligibility threshold correctly: Adjusting Your Eligibility Threshold.
- Click into a candidate to see their full profile: Reviewing A Candidate.
- Enable automated outreach: Enabling And Adjusting Auto Outreach.