West Capital Lending • NMLS# 1566096
Refinance Proposal
Rate & Term Refi
Client
—
Property
—
Home Value
$0
Loan Amount
$0
Current Loan
$0
Rate—
Term—
TypeExisting
→
Proposed (Option 1)
$0
Monthly Savings—
Annual Savings—
Cash Out—
Monthly Savings
$0
$0/year
Your Options
View
✨ INTERACTIVE BENEFIT ANALYSIS
Which option do you want to compare?
Monthly Savings
$0
Annual Savings
$0
Lifetime Savings
$0
Program: Conventional 30Y
Rate: —
New Payment: $0
View Full Benefit Analysis
Debts eliminated, recycled savings slider, accelerated payoff scenarios
→
⚠️ ARM Disclosure: Adjustable-Rate Mortgages have an initial fixed period, after which the rate adjusts periodically based on a market index. Rate caps limit how much the rate can change. Contact your loan officer to understand the full terms and maximum payment scenarios.
ℹ️ FHA Mortgage Insurance: FHA loans require both an upfront MIP (1.75% financed into loan) and an annual MIP charged monthly. MIP duration depends on your LTV and loan term.
⭐ VA Funding Fee: Most veterans pay a funding fee which is financed into the loan. Veterans with 10%+ service-connected disability may be exempt. No monthly mortgage insurance required.
💼 DSCR (Debt Service Coverage Ratio)
DSCR loans qualify based on the property's rental income, not personal income. DSCR = Monthly Rent ÷ PITIA Payment. A ratio ≥ 1.0 is typically required. Investment property occupancy required.
Monthly Rent: — |
DSCR Ratio: —
Not a commitment to lend. Subject to credit approval. Terms may vary. Equal Housing Opportunity.
① 60-Second Inputs
Live calc — every keystroke updates the cards below
Benefit Analysis
Here's your refi snapshot.
Live preview · pulls directly from your active quote
What you pay today
Total monthly across all debts
$0/mo
Across 1 active accounts
Your new payment plan
Fully loaded — taxes, insurance, MI included
$0/mo
Monthly Savings
$0
· $0/yr
Loan Details
Loan amount$0
Term30 yr Fixed
Rate0.000%
APR0.000%
Closing costs$0Financed — no out-of-pocket
Property tax$0/mo
Homeowner's ins.$0/mo
Mortgage ins.$0/mo
These debts are being eliminated
When this loan funds, every account below closes.
Creditor
Balance
Monthly
You'll skip a payment on every debt above.
What if you put your savings to work?
Every dollar you save can shorten the loan.
Recycle Savings Simulator
+$0/mo
$0Max Impact ($1,000)
Extra/mo
Pays off in
Less interest paid
Done by
The ◆ row is your monthly savings recycled.
No new money out of pocket — just keep paying what you pay today, and let the savings shorten the loan.
| Name ↕ | Source | Phone | Loan Type | Amount ↕ | Rate ↕ | Balance | Status ↕ | F/U Date ↕ | Action |
|---|---|---|---|---|---|---|---|---|---|
| Loading leads... | |||||||||
West Capital Lending
Borrower
—
Property
—
Prepared by
—
Date
—
Loan Summary
Interest Rate
—%
APR
—%
Loan Term
— yr
Product
—
Estimated Value
$0
Loan Amount
$0
Estimated Closing Costs (Non-Recurring)
Lender
Subtotal$0
Title
Subtotal$0
Government
Subtotal$0
Third-Party
Subtotal$0
Total Estimated Closing Costs
$0
Estimated Prepaids & Escrow Reserves
Prepaids
Subtotal$0
Escrow Reserves
Subtotal$0
Aggregate Adjustment
Total Prepaids & Escrows
$0
Estimated Monthly Payment
Principal & Interest$0
Property Taxes$0
Hazard Insurance$0
Mortgage Insurance$0
HOA Dues$0
Total Monthly Payment$0
Estimated Funds Needed to Close
Loan Amount$0
Payoff Amounts$0
Total Closing Costs$0
Total Prepaids & Escrows$0
Lender Credits-$0
Total Estimated Cash Needed to Close$0
SELL AGAINST THE OTHER LENDER
Drop their LE.
We'll show you exactly where we win.
We'll show you exactly where we win.
Paste a competitor's Loan Estimate or Fee Sheet — Ezra auto-detects the format, extracts Sections A through D + lender credits, and runs it side-by-side against your West Cap quote with line-item drill-down.
① Paste their Loan Estimate
👁️ Client View Mode
Choose what your client sees when they open the share link. Each mode optimizes for different selling moments.
Minimal
Just the interactive quote — clean, fast, mobile-first
Benefit Analysis
Quote + benefit analysis + FAQs + recycle savings slider
Enhanced
Full proposal — current vs new, debts, all 3 options, FAQs, video pitch
Send to GHL
GoHighLevel Contact
Send to Bonzo
Bonzo CRM Prospect
Export PDF
Full proposal PDF file
Download .EML
Open in Outlook/Mail
⚡ Webhook / n8n / Zapier
No webhook URL set — configure in Settings → API Keys
🎨 Client Quote View Themes
Generate different presentation styles · A/B test what converts
📱 SMS Templates
Select a template to preview...
📧 Rich HTML Email
Not Connected
Connect Gmail for one-click rich HTML send →
📤 Export Proposal
Your Inbound Webhook URL
Paste this into Bonzo, GHL, n8n, or any CRM to receive leads
ACTIVE
▼
This is your personal webhook endpoint — unique to your account.
When any CRM posts lead data here, it automatically lands in your Leads tab.
Works with Bonzo, GHL, n8n, Zapier, Make, or any system that can POST JSON.
📡 Your Inbound Webhook URL
Loading your webhook URL...
📋 How to Connect Bonzo
- In Bonzo → Settings → Integrations → Webhooks → Add Webhook
- Paste your Webhook URL above into the URL field
- Set trigger to
New ProspectorProspect Updated - Click Save — leads will now flow automatically into Carbon Refi
📋 How to Connect GHL
- In GHL → Settings → Integrations → Webhooks → Add
- Paste your Webhook URL — add
?source=ghlto the end - Select events:
ContactCreate,ContactUpdate - Save and test — GHL contacts will sync to your Leads tab
📦 Accepted Payload Fields
firstName / first_name, lastName / last_name, email, phone address / property_address, homeValue / home_value creditScore / credit_score, cashOut / cash_out currentBalance / current_balance / mortgage_balance proposedRate, monthlySavings, programs[], purpose, quoteLink
GoHighLevel (GHL)
Push quotes & leads directly to GHL as contacts
SETUP
▶
Sends leads directly to GHL as contacts with all quote data as custom fields.
Use a webhook URL from n8n/Zapier (recommended — avoids CORS)
or direct API key for private integration.
Bonzo CRM
Send leads to Bonzo as prospects with tags & quote data
SETUP
▶
Pushes leads to Bonzo using API v3. Your Bonzo Inbound Webhook (above)
handles incoming leads from Bonzo → Carbon Refi. This section handles outbound: Carbon Refi → Bonzo.
n8n / Zapier / Make Webhook
Universal outbound webhook — fires full CRM payload on every send
OPTIONAL
▶
Every time you click 🚀 Send to GHL/Bonzo, a full JSON payload fires
to this URL. Use it to trigger n8n workflows, Zapier zaps, Make scenarios, Slack alerts, or anything else.
📦 Payload Sent
{
firstName, lastName, phone, email, address,
homeValue, currentBalance, cashOut, creditScore,
proposedRate, monthlySavings, annualSavings,
programs: ["30-Year Fixed", ...], loanType, purpose,
quoteLink, loName, loNmls, source, timestamp
}
Carbon AI Engine
Powered by Carbon's 7-provider AI cascade — no API key needed
SETUP
▶
Carbon's AI engine routes through 7 providers (Gemini, Groq, Kimi, Perplexity, Grok, OpenAI, Claude) — no setup required. Powers ✨ AI Pitch, ✨ AI Email, and ✨ AI SMS. Optionally add your own key below for higher rate limits.
Webhook Activity Log
Recent inbound leads and outbound CRM fires
▶
No activity yet. Send a lead to see it here.
👤 Loan Officer Profile
🏢 Lender Information (compliance)
These appear on every client-facing quote, email, and Crusher page. Required for compliance. The Equal Housing logo is always included automatically.
🏛️ Lender Logo
No logo
✅ Equal Housing Opportunity logo is automatically embedded in every client-facing view (quotes, emails, Crusher pages, PDFs) — required for fair lending compliance.
📸 Profile Headshot
EB
Paste a hosted URL OR upload an image (max 2MB). Used on quotes, emails, and the Crusher pages.
✨ Ezra AI — Engine Status
Powers ✨ AI Pitch, ✨ AI Write, ✨ AI SMS, and competitor analysis. AI runs on the Above All CRM cloud — no API keys required for you. Your tier determines model access:
Carbon → fast tier · Titanium → premium tier · Diamond → expert tier.
Ezra AI Online
Tier: Carbon · Multi-provider routing active
🏛️ Lender (Company) Profile
Required on all client-facing quote materials per RESPA/Reg Z compliance. The Equal Housing Opportunity logo is automatically appended to every client view.
🖼️ Lender Logo
No logo
Recommended: 240×80px PNG with transparent background. Auto-displayed alongside Equal Housing Opportunity logo.
Equal Housing Opportunity
Auto-applied to every client-facing quote, email, and Crusher page. Required per Fair Housing Act. Upload custom EHO logo
🚀 GoHighLevel (GHL)
Sends leads directly to GHL as contacts with all quote data as custom fields.
Use either direct API keys or a webhook URL from n8n/Zapier (recommended — avoids CORS).
💼 Bonzo CRM
Sends leads to Bonzo as prospects with tags and custom attributes. Uses Bonzo API v3.
⚡ Webhook — n8n / Zapier / Make
Universal webhook — fires full CRM payload (JSON) to your n8n, Zapier, or Make workflow.
Use this to route to GHL, Bonzo, Slack, or any service without CORS issues.
📦 Payload Structure
{
firstName, lastName, phone, email, address,
homeValue, currentBalance, cashOut, creditScore,
currentRate, proposedRate, monthlySavings, annualSavings,
programs: ["30-Year Fixed", "5/6 ARM", ...],
purpose, propType, loanType, quoteLink,
loName, loNmls, source, timestamp
}
🎨 Account & Subscription
Current Plan: CARBON
Upgrade to unlock AI features, full lead pipeline, and white-label branding
Total Users
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Paid Users
—
Total Quotes
—
Platform
Above All
Quotes Today
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Quotes This Week
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Active LOs (7d)
—
Avg Quote Views
—
Top Performers (Last 30 Days)
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