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Swiftlook
For mortgage and lending teams

Nobody understands basis points over the phone.

A borrower comparing a 6.75 with two points against a 7.125 with none is doing arithmetic in their head while you talk. They will get it wrong, and they will call the other lender. Put the scenarios on their screen.

From $24.99/mo · see all plans

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swiftlook.co/v/8t2k
Rate scenarios · 30-year fixed
6.750%
2 points
$2,341/mo
6.875%
1 point
$2,378/mo
7.125%
0 points
$2,443/mo
Loan amount$425,000
Break-even month54
Cash to close$12,847
Live · Rate scenarios
What you're dealing with

Rate anxiety is a visual problem.

  • Rate, APR, points, and monthly payment are four numbers that only make sense together
  • Borrowers shop three lenders and pick the one they understood
  • Rates move during the call and the sheet you emailed is already stale
  • “Let me send you a Loan Estimate” gives them three days to talk to someone else
With Swiftlook

Show the scenarios side by side.

  • Pull up your pricing engine and change the assumptions while they watch
  • Point at the break-even month on a buydown instead of describing it
  • Live numbers, not a PDF that was accurate an hour ago
  • Nothing to install — borrowers join from the phone they called you on
In practice

How loan officers close on the phone with Swiftlook

Mortgage buyers don’t compare lenders — they compare experiences. A borrower who understood the trade-off between a 6.75 with two points and a 7.125 with none picks the lender who made them understand it. That lender wins even when their absolute rate is slightly worse, because the borrower feels confident about the number. Swiftlook exists so that lender can be you.

The typical rate call runs off Optimal Blue, Polly, or your LOS pricing engine. The LO adjusts loan amount, LTV, credit tier, and lock period live while the borrower watches. Monthly payment updates, break-even shifts, cash to close moves — and the borrower stops doing hostile arithmetic in their head. When the moment comes to send a Loan Estimate through Encompass, Blend, or nCino, the borrower already knows what they’re looking at because you walked them through the same numbers on the call.

Downstream, conditions clear faster because you walked them through the document upload portal once instead of six times. DTI conversations become an on-screen breakdown of the debts the LOS is counting — turning a decline into a plan (pay off the auto lease first) instead of a rejection. Buydown math becomes a chart. Points math becomes a break-even month you can point at.

None of this requires the borrower to install anything, remember a password, or accept a calendar invite. They open the link in whatever browser is already on the phone they answered you on. On iOS that’s Safari; on Android that’s Chrome. And every session logs to your CRM so pull-through reporting is honest.

What you can show

The numbers that decide the deal.

Rate scenarios
Three options in one view, with monthly payment and break-even on each. This is the conversation that wins the deal.
Loan Estimates
Walk the borrower down the page and explain what each section means before they compare it to a competitor’s.
Closing cost breakdowns
Show which lines are yours, which are third-party, and which they can shop. Borrowers trust the lender who explained it.
Buydown and points math
Show the crossover point on a chart instead of asking them to trust your arithmetic.
DTI and qualification
Show why the number came out where it did, so a decline becomes a plan rather than a rejection.
Portal and document upload
Walk them through your LOS upload screen once and cut a week of back-and-forth on conditions.
FAQ

Loan-officer questions.

Does the borrower need to install anything?+
No. The link opens in the browser on the phone they called from. No downloads, no accounts, no permissions.
Can I share just my pricing engine?+
Yes. Share a single tab so the borrower sees Optimal Blue, Polly, or your rate sheet — not your inbox or the six other borrower files you have open.
Does it work with Encompass, Blend, or my POS?+
If it runs in a browser, you can share it. Encompass web, Blend, nCino, Byte Web, and most LOS/POS platforms all work without configuration.
Does this replace the Loan Estimate?+
No — you still need to issue an LE within three business days. Swiftlook helps the borrower understand what they’re about to receive so the LE lands as confirmation, not surprise.
Can compliance review sessions after the fact?+
Sessions are not recorded by default. If your lender needs recording for supervisory review, Enterprise plans include recording with your organization’s retention controls.
Does it help with rate locks?+
Yes. Show the pricing on screen at the moment of decision and lock in the same call, before the borrower calls a competitor and gets a different quote.
How does it help conditions clear faster?+
You walk the borrower through the LOS document upload portal once, live, on their own device. They upload the pay stub while you watch instead of emailing back and forth for a week.
Does it work for co-borrowers on different devices?+
Yes. Send the same link to both borrowers — up to 20 viewers per session. Great for spouse-together decisions where one person is at work and one is at home.
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