Year-end client review

Give every past client a Year-End Mortgage Rate Audit.

One page in your brand: their rate next to the market average, a short checklist for the new year, and their own rate target. When rates move, they already know who to call.

Get the kit · $49 We build it for you · $79 a month

The kit is a one-time $49, delivered by email right after checkout. Done for you is $79 a month.

Your logoYour Year-End Mortgage Rate Audit

Maya and Chris, your rate is aging well.

How your rate stacks up against the market, and the number to remember.

National average: Freddie Mac PMMS 30-year fixed, weekly. Sample data.

At lock

0.37 pts

below the national average the week you locked.

Today

0.13 pts

above the national average as of the sample date.

Your rate target

6.375%

Your rate minus 0.75 points.

What happens next

If rates for a loan like yours reach your rate target, I'll reach out with the numbers and you decide if it's worth it. Until then, there's nothing to do.

Before January

Review your homeowners insurance renewal
Check your property tax assessment
See if your mortgage insurance can come off
Know your rate target

I'm in the relationship business. Home loans are just how I prove it.

Your name · Your company

[phone] · [email]

Your rate is your note rate at lock. National average: Freddie Mac Primary Mortgage Market Survey 30-year fixed, for the week your loan locked and as of the date shown; it assumes a conventional loan with 20% down and includes average points. Your rate target is your rate minus 0.75 percentage points, a rule of thumb for when a refinance may be worth reviewing. It is not a recommendation or a rate quote. Refinancing involves closing costs and may not benefit every borrower.

Sample, made-up numbers

The line about watching rates is optional. Turn it on only if you will watch.

See it in action

Client's rateRate targetTarget rangeMarket, 30-year average

Example client assessment. The client's locked rate and rate target are samples, not a real client, rate quote or offer. Market line: Freddie Mac 30-year fixed weekly average (PMMS), Nov 20, 2025 to Nov 12, 2026.

What your clients get

1
Their rate, in context.
How their rate compares to the market the week they locked, and where it stands now.
2
A rate target for 2027.
The number that would make a refinance review worth a call, so they think of you first.
3
A year-end checklist.
Four quick items that make you look like the financial pro in their life.

Why I built this

This fall my clients kept asking me about the market. So one evening I built each of them a one-page review of their loan: their rate next to the market average, a short checklist for the new year, and a rate target to remember.

The response surprised me. Clients started telling friends and family about us, and referrals picked up to end the year. A few real estate agents I had never met asked if I could run it for their whole client list.

Now every new client gets one at the closing table. This is the same review, built so any loan officer can send it in their own brand.

Tyler Kraupp, founder, In Good Company

Pick how you want it

Do it yourself

The Kit

$49one time

Works in Claude or ChatGPT, with a setup guide for each
10-minute setup: your logo, colors, NMLS and license lines
Three letter versions, print-ready PDF plus an email version
A mailing list file for your mail house
Updates through 2027

Runs inside your own Claude or ChatGPT. Your client files never leave your hands. Requires a paid Claude or ChatGPT plan.

Get the kit · $49

Done for you

We build it

$79a month, up to 500 clients

Send your list with four fields: first name, co-borrower first name, note rate, lock date
We build every client assessment in your brand
We watch each client's rate target all year and tell you who to call
You get print-ready PDFs, email versions and a mailing list file
See how we handle your data

Your company decides whether client data may be shared. Data terms are shown at checkout.

We build it · $79 a month

For broker owners and team leads

Your whole team, done for you

$59per loan officer, per month

5 loan officers or more

Each LO gets letters in their own brand and license lines
Delivered in about 48 hours
One design review before we run every file
Up to 500 clients per loan officer

Set up my team

Add the Comprehensive Book Report for $39 at checkout: a deeper look at your full client list, delivered within 48 hours.

How it works

Step 1
Add your brand once.
Logo, colors, NMLS and license lines. About 10 minutes.
Step 2
Export four fields.
First name, co-borrower first name, note rate, lock date. That's it.
Step 3
Send before year-end.
Print, mail or email. Every client hears from you, not someone else's mailer.

Watch the 80 second explainer

Questions

Do I need Claude or ChatGPT?

For the $49 kit, yes, a paid Claude or ChatGPT plan. For done for you at $79 a month, no. We build it for you, up to 500 clients, and watch every rate target all year.

Is my clients' data safe?

The kit runs in your own Claude or ChatGPT, so we never see your files. For done for you, we only take four fields, never Social Security numbers, birth dates, loan numbers or income.

Can my whole team use it?

Yes. Teams of 5 or more get every loan officer done for you at $59 a seat a month, delivered in about 48 hours with one design review first.

Is the letter compliant?

The letter is your advertising, under your name and license. Add your disclosure in setup and have your compliance team approve it before you send.

What if it doesn't work for me?

If the kit can't build your first letter from your own export within 14 days, reply to your receipt and we'll refund you in full.

Who can buy?

Licensed loan officers outside Idaho.

Give every past client a Year-End Mortgage Rate Audit.

Maya and Chris, your rate is aging well.

What happens next

What your clients get

Their rate, in context.

A rate target for 2027.

A year-end checklist.

Pick how you want it

The Kit

We build it

Your whole team, done for you

How it works

Add your brand once.

Export four fields.

Send before year-end.

Questions