← Files
DemoSample book for sales and onboarding previews
Michael Chen
RBC · T-27 · matures Oct 28, 2026
2200 West 4th Ave, Vancouver, BC
~$4,488 opportunityRefi / HELOC candidate
- Balance
- $528,000
- Current rate
- 2.14%
- Rate type · term
- Fixed · 60 mo
- Amort remaining
- 276 mo
- Payment
- $2,102/monthly
- Funded
- —
Latest reply intelligence
Call firstOpted outFrustrated
Suggested next step
Mark opt-out on the consent ledger, stop sequences, and send one confirmation only if policy requires.
Open inbox threadBorrowers
Michael ChenPrimary
m.chen@example.com · Prefers email
Express consent(email)Express consent(sms)
Bank letter payment shock (core calc)
$2,422$3,146+$724/mo
Prepayment penalty estimate
No penalty when switching at maturity
- 3-month interest
- $0.00
- Estimate only — your lender's disclosure statement governs the actual penalty.
- Posted rate for IRD must come from the lender; we do not fetch live posted rates.
- Switching at maturity: no prepayment penalty on a standard renewal switch.
Big-bank lender — retention teams often compete hard at renewal.