DocApply Loan Structuring Engine
🚀 2026 Loan Officer Toolkit

DocApply Loan Structuring Engine™

Purchase • Qualification • Refinance • HELOC • Commission — all in one energetic, professional calculator suite for DocApply Mortgage Brokerage.
  • 🏠 Estimate payment scenarios fast
  • 📊 Calculate DTI and qualification instantly
  • 💰 Compare refinance and cash-out options
  • 📈 Evaluate HELOC payment structures
  • 🧑‍💼 Run compensation numbers during live calls
5
Power calculators on one page
1
Unified branded experience
∞
Live scenario combinations
2026
Enhanced for modern loan officers

🏠 Purchase Power & Payment Analyzer

Estimate monthly payment, down payment, PMI, taxes, insurance, and total PITI in one clean scenario builder.

  • Auto-calculates down payment and loan amount
  • Auto-feeds estimated PITI into the DTI analyzer
  • Shows PMI logic and key Arizona loan-limit alerts
📝 Assumptions used from your source logic: estimated homeowners insurance at $80/month and property tax rate at 0.64% annually.

📊 Qualification & DTI Analyzer

Track monthly obligations, plug in housing expense, and review front-end style qualification signals in real time.

  • Add multiple creditors quickly
  • Auto-accepts purchase or refinance PITI
  • Great for prequal calls and live borrower review

💰 Refinance & Cash-Out Analyzer

Model new payments, cash-out scenarios, LTV, PMI estimates, and total PITI for refinance opportunities.

  • Supports rate-and-term or cash-out style review
  • Auto-calculates total loan amount including cash out
  • Can push payment into DTI and commission tools

📈 HELOC Payment Analyzer

Quickly estimate monthly payment for HELOC-style scenarios across multiple term options.

  • Simple second-lien style payment review
  • Useful for equity access conversations
  • Can auto-send payment to DTI as a liability

🧑‍💼 Loan Officer Commission Calculator

Run basis points against total loan volume fast during pricing, borrower review, or internal projections.

  • Works with manual input or auto-filled loan amount
  • Clean, fast calculation for live use
  • Built for 2026 DocApply workflow
DocApply Mortgage Brokerage • Built for energetic, professional scenario structuring in 2026 • Former bankers turned brokers