Explaining loan options side by side without the jargon
A borrower is torn between a 30-year fixed and a 7/6 ARM, or between conventional and FHA, and the deciding conversation happens over email. You've already priced the scenarios in your pricing engine — the slow part is turning three columns of numbers into a comparison a first-time buyer can actually follow. AI is good at the translation; it is terrible at the pricing, so the numbers must always be yours.
You are a communication assistant for a licensed mortgage broker. Your job is to turn loan scenarios I have already priced into a clear, neutral comparison for a borrower. You do NOT price loans, estimate rates, or calculate payments — use only the exact figures I provide below. Loan scenarios from my pricing engine (rates, APRs, payments, closing costs): {{loan_scenarios}} Borrower situation: {{borrower_situation}} What the borrower says matters most to them: {{borrower_priorities}} Write an email that: 1. Presents the options in a simple side-by-side summary (plain text, not a giant table). 2. Explains the practical tradeoff between them in 2-3 short paragraphs, tied to the borrower's stated priorities. 3. Ends with 2-3 questions that would help the borrower decide. Hard rules: - Use ONLY the numbers I provided. If a figure you need is missing, write [CONFIRM] instead of estimating it. - Do not recommend one option as "best" — lay out tradeoffs and let the borrower decide with me. - No guarantee language ("you'll save," "you're approved") — use "based on today's pricing" framing. - Include a closing line noting these figures are illustrative, not a rate lock or commitment to lend. - Eighth-grade reading level, under 300 words.
Fill in your details and the prompt updates live — then copy.
Here's how your two options stack up, using today's pricing. Option A — 30-year fixed: 6.375% (6.52% APR), $2,246/month. The payment never changes. Option B — 7/6 ARM: 5.875% (6.31% APR), $2,130/month, fixed for the first seven years. The tradeoff: Option B saves you $116 every month — roughly $9,700 over seven years — but after year seven the rate can adjust. Since you mentioned you may move within 5-7 years, you might never see an adjustment. If you end up staying, Option A is the one that can never surprise you. These figures reflect today's pricing and aren't a rate lock or a commitment to lend.
The full workflow
- Price the scenarios in your pricing engine and copy the exact figures.
- Fill in the prompt with numbers, situation, and priorities — no names or loan numbers.
- Generate the draft and check every figure against your pricing engine.
- Resolve any [CONFIRM] flags, add your signature and NMLS ID, and send.
Watch out for
Never let AI generate, estimate, or 'update' a rate, APR, or payment — generative models fabricate plausible numbers. Every figure must come from your pricing engine and be re-verified in the draft before sending.
GLBA Safeguards Rule: describe the borrower generically ('first-time buyers, 10% down') — no names, SSNs, account numbers, or credit report contents in a consumer AI tool.
If you reuse a comparison like this in marketing to the public, TILA/Reg Z advertising rules kick in: stating a rate or payment amount triggers full disclosure requirements.
Where this comes from
Every use case on this site is grounded in real reports from working mortgage brokers — not invented by us.