Vol. 04 · Issue 26For mortgage brokers
Better numbers.
Sent in two minutes.
Build branded, side-by-side rate and cost comparisons for every deal. The math is exact, the email is yours, and your client gets a document worth reading.
Free for 5 proposals / monthNo credit cardYour brand on every page
Mortgage Proposal is a pre-application sales tool. It is not a TRID-compliant Loan Estimate and does not replace one.
Proposal preview
123 Oak St · purchase
Your Mortgage Options30-year fixed · 3 scenarios
P&IMITaxesInsurance
Loan amount
$420,000
$420,000
$420,000
Monthly P&I
$2,759
$2,655
$2,552
Cash to close
$109,500
$113,700
$120,000
Same math engine the product ships with/lib/math
2min
From inputs to sendable proposal
5scenarios
Per proposal — rate & cost compared
100%
Your brand on every page
0attachments
Renders inline in every email client
The deliverable
What lands in your client's inbox — not what you wish landed there.
A side-by-side rate and cost comparison, laid out like a document an underwriter would respect. No PDF attachment. No “click here to view.” It just renders.
NP
Nick ParsonsNMLS #482931 · (503) 555-0142 · nick@cascademortgage.com1820 SW Salmon St, Portland, OR 97205
CMCascade Mortgage Group
Honest numbers. Faster answers.
Prepared for Sarah Kim
May 14, 2026 · 123 Oak Street · 30-yr fixed purchase
P&I $2,758Taxes $481Ins $69
APR 7.123% · $112,400 to close
P&I $2,653Taxes $481Ins $69
APR 6.892% · $116,600 to close
Your Mortgage Options
Option A
Option B
Loan Terms
Loan Amount
$420,000
$420,000
Rate
6.875%
6.500%
APR
7.123%
6.892%
Term
30 yr
30 yr
Points
—
$4,200 · 1.000%
Monthly Payment
Principal & Interest
$2,758
$2,653
Taxes
$481
$481
Insurance
$69
$69
Total Monthly
$3,308
$3,203
Costs at Closing
Down Payment
$105,000
$105,000
Origination & Points
$2,500
$6,700
Third-Party Fees
$3,800
$3,800
Prepaids
$1,100
$1,100
Estimated Cash to Close
$112,400
$116,600
This is not an official Loan Estimate. Figures shown are estimates for comparison purposes only. Actual charges may differ.
01
Your brand, on every line
Logo, headshot, colors, NMLS — your stamp at the top of the document. Team accounts share branding across the entire brokerage so every loan officer sends the same look. The “by beaconAI” line is removed on every paid plan.
Click a swatch to swap →
02
Up to five scenarios, side-by-side
Rate, points, monthly P&I, cash to close, APR, break-even — all computed live. Your client sees the choice, not a 30-page Loan Estimate they won’t open. Mark one as recommended and explain why in a sentence.
03
Copy, paste, send
One click copies a fully formatted HTML email. Paste into Outlook or Gmail with your signature attached. No PDF to download. No portal link to share. The proposal is the email.
Why brokers stay
Three things you don't get from a spreadsheet.
We picked the three things loan officers actually care about and we measure them every release. No “AI-powered transformation” — just the boring stuff, done well.
2min
Inputs to inbox
Median time from opening “New Proposal” to copying a sendable email, measured across active users. Faster than most brokers can re-read a rate sheet.
01:48 · current median
100%
Math, audited
Every formula — P&I, APR, FHA MIP, VA funding fee, amortization, break-even — runs against a deterministic test suite. Cents, never dollars, until display. No AI in the math path.
/lib/math · 218 golden scenarios · 100% pass
0/1
Your name, not ours
Upload your logo, set your brand color, add your headshot and NMLS. Every proposal you send carries your look from header to signoff. Team plans share branding across the brokerage.
Pricing
Start free. Upgrade the day you send your sixth proposal.
No seat minimums on Individual. Team pricing kicks in at five seats. Cancel any month, no contract.
Free
$0forever
No card, no expiry
Kick the tires, send a few proposals a month, see if your clients open them.
- 5 proposals per month
- All math and scenario tools
- Small Mortgage Proposal footer on output
- Community email support
Individual
$129/ month
Billed annually · $149 month-to-month
For solo loan officers sending proposals every week. Your brand, your fees, no caps.
- Unlimited proposals
- Your logo, headshot, brand color
- Saved fee templates & proposals
- Rate sheet & competing LE extraction
- Priority email support
Team
$109/ user / mo
Billed annually · 5 seats minimum
For brokerages with multiple loan officers under one brand. Shared fee templates, admin controls.
- Everything in Individual
- Invite brokers to your org
- Shared brokerage branding
- Admin controls & seat management
- Onboarding call included
Questions
What people actually ask first.
Is this an official Loan Estimate?
No. Mortgage Proposal is a pre-application sales tool for comparing rate and cost scenarios with a client before anyone applies. It is not a TRID-compliant Loan Estimate and doesn't replace one. Every proposal includes a plain-language disclosure making that clear, and the math is for comparison purposes only.
Can I use my own branding?
Yes — on Individual and Team. Upload your logo, set your brand color, add your headshot and NMLS, and every proposal you send carries your look. Free accounts include a small "Mortgage Proposal" footer on output; paid accounts drop it.
How do team accounts work?
An admin creates the organization, sets shared brokerage branding, and invites brokers. Every proposal a broker sends uses the brokerage brand. Admins manage seats and can see proposal history across the team. Minimum five seats, billed annually.
What happens if I hit the free 5-proposal limit?
You can keep editing and previewing inside the app, but you can't export or send more than five in a calendar month. Upgrade to Individual any time and the cap disappears immediately — no waiting for next month to roll over.
Do you support rate sheet and Loan Estimate extraction?
Yes, on paid plans. Upload a lender rate sheet or a competing Loan Estimate and we extract the numbers into a scenario you can edit. It works on most formats without per-lender templates. If extraction misses something, the field is editable — you're never stuck.
Can I use the tool without AI?
Yes. Every feature has a manual fallback. The math engine is deterministic — AI never touches the calculations. AI is only used for optional conveniences like parsing a rate sheet PDF or drafting broker notes. Turn it all off and the product still does its job.
Ready when you are
Send a better proposal by the end of the day.
Free to start. No card. Your first proposal is ready in about two minutes.