Rate and payment guide
A system for generating rate and payment information for a customer receives an inquiry type from a customer relating to a loan or mortgage. The system also receives a value specific to the potential loan or mortgage. In combination with a product and policy database and a pricing/fee database, relevant financial products are determined and provided to the customer. The inquiry type can include buying a property, refinancing a mortgage, improving a property, and/or using funds from a property.
1. A computing device, comprising:
a processing unit; and
system memory, the system memory including instructions that, when executed by the processing unit, cause the computing device to:
responsive to authentication of a customer, provide an existing loan interface with a plurality of fields associated with an existing loan;
responsive to selection of a pre-fill control, automatically populate information about the existing loan into the plurality of fields;
provide a financial products interface for display at the computing device, with the financial products interface including financial products available to the customer, wherein the financial products reflect current pricing information for the financial products based upon the information about the existing loan;
receive, at the computing device, a comparison request from the customer including at least two selected products of the financial products on the financial products interface; and
responsive to receipt of the comparison request, provide a comparison interface for display at the computing device, the comparison interface including:
a representation that compares the at least two selected products, wherein the representation includes a graphical depiction of an aspect of the at least two selected products; and
a recommendation of one of the at least two selected products.
2. The computing device of claim 1 , comprising further instructions that, when executed by the processing unit, cause the computing device to provide a financial accounts interface including financial accounts associated with the customer.
3. The computing device of claim 2 , wherein the financial account is a checking account, a savings account, a loan, or a mortgage.
4. The computing device of claim 2 , wherein the financial accounts interface is programmed to include a balance, a payment amount, and an interest rate associated with one of the financial accounts included on the financial accounts interface.
5. The computing device of claim 1 , wherein the current pricing information includes interest rates.
6. The computing device of claim 5 , wherein the current pricing information also includes origination fees and title fees.
7. The computing device of claim 1 , wherein the information includes a value of a property owned by the customer, a location of the property, and a loan amount for the property.
8. The computing device of claim 1 , comprising further instructions that, when executed by the processing unit, cause the computing device to provide an inquiry interface for display at the computing device, with the inquiry interface including a list of types of the financial products available to the customer.
9. The computing device of claim 1 , comprising further instructions that, when executed by the processing unit, cause the computing device to obtain credit information for the customer.
10. A computer-implemented method for selecting financial products at a computing device, the computer-implemented method comprising:
responsive to authentication of a customer, providing an existing loan interface with a plurality of fields associated with an existing loan;
responsive to selection of a pre-fill control, automatically populating information about the existing loan into the plurality of fields;
providing a financial products interface for display at the computing device, with the financial products interface including financial products available to the customer, wherein the financial products reflect current pricing information for the financial products based upon the information about the existing loan;
receiving, at the computing device, a comparison request from the customer including at least two selected products of the financial products on the financial products interface; and
responsive to receipt of the comparison request, providing a comparison interface for display at the computing device, the comparison interface including:
a representation that compares the at least two selected products, wherein the representation includes a graphical depiction of an aspect of the at least two selected products; and
a recommendation of one of the at least two selected products.
11. The method of claim 10 , further comprising providing a financial accounts interface including financial accounts associated with the customer.
12. The method of claim 11 , wherein the financial account is a checking account, a savings account, a loan, or a mortgage.
13. The method of claim 11 , wherein the financial accounts interface is programmed to include a balance, a payment amount, and an interest rate associated with one of the financial accounts included on the financial accounts interface.
14. The method of claim 10 , wherein the current pricing information includes interest rates.
15. The method of claim 14 , wherein the current pricing information also includes origination fees and title fees.
16. The method of claim 10 , wherein the information includes a value of a property owned by the customer, a location of the property, and a loan amount for the property.
17. The method of claim 10 , further comprising providing an inquiry interface for display at the computing device, with the inquiry interface including a list of types of the financial products available to the customer.
18. The method of claim 10 , further comprising obtaining credit information for the customer.