Sample presentation
This is the page a borrower opens.
Everything below is the real MortgageDetail presentation, with a made-up borrower, loan officer and property. A loan officer builds it from a few inputs and sends one link. Scroll through it the way a client would.
The sample presentation
Jordan Reyes
Senior Loan Officer
NMLS# 000000
(208) 555-0199
jordan@birchmerehomeloans.example
November 5, 2026
Mortgage Comparison
Alex & Sam Rivera
4821 Maple Hollow Dr, Boise, ID 83702
Property Information
Single Family
4
2.5
2,310
2004
$485,000
$5,335 (2025)
2 spaces
Ada
Side-by-Side Comparison
| 30-Year Fixed, 20% DownRecommended | 30-Year Fixed, 10% Down | 15-Year Fixed, 20% Down | |
|---|---|---|---|
| Loan Type | 30-Year Fixed | 30-Year Fixed | 15-Year Fixed |
| Purchase Price | $485,000 | $485,000 | $485,000 |
| Loan Amount | $388,000 | $436,500 | $388,000 |
| Interest Rate | 6.375% | 6.375% | 5.750% |
| APR | 6.428% | 6.752% | 5.836% |
| Term | 30 years | 30 years | 15 years |
| Monthly P&I | $2,420.62 | $2,723.19 | $3,221.99 |
| Property Taxes | $444.58 | $444.58 | $444.58 |
| Insurance | $150.00 | $150.00 | $150.00 |
| MI/PMI | $0.00 | $94.57 | $0.00 |
| Total Monthly Payment | $3,015.20 | $3,412.34 | $3,816.57 |
| Total Interest (Life) | $483,423 | $543,848 | $191,958 |
| Total Principal & Interest | $871,423 | $980,348 | $579,958 |
Estimated Closing Costs
| 30-Year Fixed, 20% Down | 30-Year Fixed, 10% Down | 15-Year Fixed, 20% Down | |
|---|---|---|---|
| A. Origination Charges | $1,490 | $1,490 | $1,490 |
| Origination Fee | $0 | $0 | $0 |
| Processing Fee | $495 | $495 | $495 |
| Underwriting Fee | $995 | $995 | $995 |
| Discount Points | $0 | $0 | $0 |
| B. Services You Cannot Shop For | $825 | $825 | $825 |
| Appraisal Fee | $650 | $650 | $650 |
| Credit Report | $75 | $75 | $75 |
| Flood Certification | $15 | $15 | $15 |
| Tax Service Fee | $85 | $85 | $85 |
| C. Services You Can Shop For | $1,950 | $2,050 | $1,950 |
| Settlement / Closing Fee | $550 | $550 | $550 |
| Lender's Title Insurance | $1,150 | $1,250 | $1,150 |
| Title Search / Exam | $250 | $250 | $250 |
| E. Taxes & Government Fees | $185 | $185 | $185 |
| Recording - Mortgage | $125 | $125 | $125 |
| Recording - Deed | $60 | $60 | $60 |
| F. Prepaids | $2,817 | $2,944 | $2,717 |
| Homeowners Insurance | $1,800 | $1,800 | $1,800 |
| Prepaid Interest | $1,017 | $1,144 | $917 |
| G. Initial Escrow Payment | $1,784 | $1,784 | $1,784 |
| Homeowners Insurance | $450 | $450 | $450 |
| Property Taxes | $1,334 | $1,334 | $1,334 |
| H. Other Costs | $1,900 | $1,900 | $1,900 |
| Owner's Title Insurance | $1,900 | $1,900 | $1,900 |
| Total Closing Costs | $10,950 | $11,177 | $10,851 |
| Down Payment | $97,000 | $48,500 | $97,000 |
| + Closing Costs | $6,350 | $6,450 | $6,350 |
| + Prepaids | $4,600 | $4,727 | $4,501 |
| Estimated Cash to Close | $107,950 | $59,677 | $107,851 |
Visual Analysis
Amortization Schedule
30-Year Fixed, 20% Down
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $29,047 | $4,441 | $24,607 | $383,559 |
| 2 | $29,047 | $4,732 | $24,315 | $378,827 |
| 3 | $29,047 | $5,043 | $24,005 | $373,784 |
| 4 | $29,047 | $5,374 | $23,674 | $368,411 |
| 5 | $29,047 | $5,727 | $23,321 | $362,684 |
| 6 | $29,047 | $6,103 | $22,945 | $356,581 |
| 7 | $29,047 | $6,503 | $22,544 | $350,078 |
| 8 | $29,047 | $6,930 | $22,117 | $343,148 |
| 9 | $29,047 | $7,385 | $21,662 | $335,763 |
| 10 | $29,047 | $7,870 | $21,178 | $327,893 |
| 11 | $29,047 | $8,386 | $20,661 | $319,507 |
| 12 | $29,047 | $8,937 | $20,110 | $310,570 |
| 13 | $29,047 | $9,524 | $19,524 | $301,046 |
| 14 | $29,047 | $10,149 | $18,899 | $290,898 |
| 15 | $29,047 | $10,815 | $18,232 | $280,083 |
| 16 | $29,047 | $11,525 | $17,522 | $268,558 |
| 17 | $29,047 | $12,282 | $16,766 | $256,276 |
| 18 | $29,047 | $13,088 | $15,960 | $243,188 |
| 19 | $29,047 | $13,947 | $15,100 | $229,241 |
| 20 | $29,047 | $14,863 | $14,185 | $214,379 |
| 21 | $29,047 | $15,838 | $13,209 | $198,541 |
| 22 | $29,047 | $16,878 | $12,169 | $181,663 |
| 23 | $29,047 | $17,986 | $11,062 | $163,677 |
| 24 | $29,047 | $19,167 | $9,881 | $144,510 |
| 25 | $29,047 | $20,425 | $8,623 | $124,085 |
| 26 | $29,047 | $21,766 | $7,282 | $102,320 |
| 27 | $29,047 | $23,194 | $5,853 | $79,125 |
| 28 | $29,047 | $24,717 | $4,330 | $54,408 |
| 29 | $29,047 | $26,340 | $2,708 | $28,069 |
| 30 | $29,047 | $28,069 | $979 | $0 |
| Total | $871,421 | $388,000 | $483,421 | $0 |
Notes
All three options are based on the same purchase price and the same taxes and insurance. The 20% down option has the lowest monthly payment; the 10% down option keeps about $48,000 more in reserves at closing; the 15-year option pays off the home in half the time and saves the most interest. Call or text me with questions.
Disclaimers
This document is not a Loan Estimate or Closing Disclosure as defined under the TILA-RESPA Integrated Disclosure (TRID) rule. It is intended solely as an educational comparison tool to help you evaluate mortgage options.
This mortgage comparison is provided for educational and informational purposes only. It is not a loan commitment, approval, or guarantee of any terms. All loan programs are subject to credit approval and property eligibility. Rates, terms, and fees are subject to change without notice. Birchmere Home Loans, NMLS# 000000. Equal Housing Opportunity. NMLS Consumer Access
This is a sample presentation published by MortgageDetail to show the format a borrower receives. The borrower, loan officer, company, property and every figure shown are fictitious. Nothing here is a quote, an offer or a commitment to lend, and no loan originator has reviewed these numbers. Rates, fees and calculations are for illustration only as of November 5, 2026.
Equity projections assume an estimated annual home appreciation rate of 4.00%. Actual home values may vary significantly based on market conditions, location, and other factors. This estimate is for illustrative purposes only and is not a guarantee of future home value.
Annual Percentage Rate (APR) is an estimate calculated in accordance with Regulation Z methodology based on the loan terms, fees, and charges shown. Actual APR will be provided in your official Loan Estimate. APR reflects the total cost of the loan including applicable fees and is typically higher than the note interest rate.
APR calculations are estimates and may differ from final APR disclosed on official loan documents.
Mortgage insurance (MI/PMI) is typically required when the down payment is less than 20% of the home value. For conventional loans, private mortgage insurance (PMI) may be removed once the loan-to-value ratio reaches 78% through scheduled payments or 80% by borrower request. FHA mortgage insurance premium (MIP) requirements vary by loan term and down payment amount. MI rates shown are estimates and may vary by insurer.
Powered by MortgageDetail | Generated November 5, 2026
Build one for your next borrower
Your logo, your name, your numbers.
Three-day free trial, no credit card. Then $25 a month or $150 a year.