Product and Pricing Engine (PPE)
Enable faster, more accurate decisions for your team. Realize product and pricing optimizations as the loan is written, before submission.
7.125% | $2,444 | $54 / mo |
8.125% | $2,060 | $55 / mo |
7.625% | $673 | — |
7.250% | $4,214 | $40 / mo |
7.500% | $548 | $14 / mo |
Sync live pricing data across all of your investors. Make fully-qualified best-X decisions with true product intelligence.
51.2% DTI is above the 50% maximum on Conventional 30yr Fixed.
Suggestions
Use $4,120 to pay off Discover, which lowers DTI to 49.7%.
Highlight precise, product-aware failure reasons and suggestions as the loan is structured.
Base Adjusted The year-to-date average is being used instead of the provided pay rate. Only $40,234.92 has been earned so far this year, when $43,612.50 is expected. | |
Overtime Excluded Minimum 12 months of overtime is required by Fannie Mae. Only 4 have been entered. |
Pull data directly from income documents and determine warrantable, product-aware income amounts.
Quote accurately with validated amounts, paid installments, and a real tax bill stored automatically.
Level 2 Approval
0.320 pts
Set your limits and allow tiered levels of management to approve exceptions.
What is a mortgage pricing engine?
A product and pricing engine (PPE) finds the loan products a borrower qualifies for and returns current rates and pricing across your investors. Gizmo's PPE works inside the loan file, so pricing always reflects the current scenario.
Does Gizmo handle broker compensation and lender margins?
Yes. Pricing includes broker compensation, and organization margins apply to correspondent pricing. Exceptions follow the approval limits you set.
Can I run DU and LPA at the same time?
Yes. Run both AUS on the same scenario and see product-aware reasons and fixes when a file doesn't come back Approve/Eligible.