Quick Start: Tip: AI Builder auto-writes your call script + talking points.

📋 Client Info

Client Name

Credit Score ?The client's FICO score. Affects tier eligibility and rate pricing. Leave blank if unknown — it won't appear on the quote.

HELOC Amount ($) ?How much does the client want to borrow? This is the net amount the client receives — it drives the total loan amount calculation.

Max Qualifying Cash ($) ?The maximum net cash this borrower actually qualifies for. Caps the "What If You Borrowed More" slider on the client quote so it doesn't show amounts they can't access. Use the presets or type a custom amount. Leave 0 to auto-calc (90% CLTV).

Property Address

Occupancy

Home Value ($) ?Current appraised or estimated market value of the property. Used to calculate CLTV (Combined Loan-to-Value) and tappable equity.

1st Mortgage ($) ?The remaining balance on the client's primary mortgage. Combined with the HELOC amount to determine total liens and CLTV ratio.

⚙️ Loan Optionsclick to expand

⚙️ Loan Options

Interest Only ?Shows interest-only payment amounts instead of fully amortized (P&I). Useful for clients who want the lowest possible monthly payment.

Show Variable Rates ?Adds a variable rate column to the quote table. Great for showing clients how rates could adjust after the fixed period ends.

Show Recommendation ?Highlights your recommended tier on the client's quote page with a gold badge.

Show Fees ?Displays origination fees and closing costs in the rate table on the client's quote page.

"Best of Both" Section ?Shows the "Best of Both Worlds" explainer on the client quote: fixed-rate security + line-of-credit flexibility.

"Why Not HEL/HEA" Section ?Shows the comparison section explaining why this HELOC beats a traditional Home Equity Loan, a variable HELOC, and a Home Equity Agreement (HEA).

Show Disclaimer ?Shows a legal disclaimer at the bottom of the client's quote page.

💳 Debt Consolidationclick to expand

💳 Debt Consolidation ?Add existing debts (credit cards, auto loans, etc.) that the HELOC will pay off. The quote shows total monthly savings from consolidation.

Show on Proposal

🔄 Existing HELOC Payoffclick to expand

🔄 Existing HELOC Payoff ?If the client already has a HELOC being refinanced, enter it here. The quote will show a side-by-side comparison of old vs new terms.

Payoff Amount ($)

Current Rate (%)

Current Payment

Show Comparison

🎯 Recommendation & Displayclick to expand

Rec. Tier ?Your recommended pricing tier. The quote highlights this tier in gold so the client sees which option you suggest.

Rec. Term ?Your recommended loan term. Shorter terms = lower rate but higher payment. The quote highlights this term for the client.

Rec. Type ?Fixed = locked rate for the life of the loan. Variable = rate may adjust periodically. Choose which type to recommend and highlight to the client — works for both fixed and variable rate tables.

Tier Display ?Controls which tier tables are shown to the client. "All Tiers" shows everything. "Recommended Only" shows just the tier you selected above — perfect for clients who shouldn't see every option.

2nd Best ?Show a second recommendation as an "Alternative" option on the client quote. Must be a different tier from your primary recommendation.

2nd Tier

2nd Term

2nd Type

⚠ 2nd Best must differ from Primary

Break-Even ?Shows how many months until the origination fees are offset by interest savings. Helps clients see the long-term value. AI Strategy

📄 Presentation Output Controlsclick to expand

📑 Quote Templates

DIAMOND

Save rate configurations as reusable templates. Client info is not saved — only rates, options, and scenarios.

📂 Saved Quotes

?Filter your saved quotes by status (New, Sent, Follow-Up, Closed) or by date range. Combine both filters to narrow results. Select All

0 quote(s) selected

Loading saved quotes...

📊 Pipeline Overview

—

Total Leads

—

New

—

Contacted

—

Quoted

—

Quote Rate

—

👁 Quote Opens

—

👆 CTA Clicks

—

🔥 Hottest Lead

📈 Advanced Analytics

DIAMOND

—

Open Rate

—

Avg. View Time

—

CTA Click Rate

—

Mobile Views

📊 Section Engagement

No data yet

🔥 Most Engaged Leads

No data yet

Viewing Right Now

👥 My Leads

?Filter leads by status (Quoted, New, Contacted, etc.) or by source (Bonzo, GHL, Manual, CSV, etc.). Use both dropdowns together to narrow your view.

0 lead(s) selected

	Name	Phone	Email	Address	Credit	Home Value	Balance	Cashout	Loan Type	Property	Source	Status	Quoted	Date	Views	DNC
Click "Refresh" to load leads

💰 Rate Configuration

Manual Rate Entry ?Toggle ON to type exact rates. Toggle OFF to use dropdown selectors for quick rate entry. Manual is best for precise rate sheets.

Enable manual entry to type exact rates, or use dropdowns for quick selection.

TIER 1: 4.99% Pts

Points %$0

FIXED

30Y

20Y

15Y

10Y

VARIABLE

30Y

20Y

15Y

10Y

TIER 2: 2.99% Pts

Points %$0

FIXED

30Y

20Y

15Y

10Y

VARIABLE

30Y

20Y

15Y

10Y

TIER 3: 1.50% Pts

Points %$0

FIXED

30Y

20Y

15Y

10Y

VARIABLE

30Y

20Y

15Y

10Y

👤 LO Profile

Name

Title

NMLS # ?Your Nationwide Mortgage Licensing System number. This appears on quotes, PDFs, and email footers for compliance.

DRE #

Company Name

Co NMLS

Co DRE

Phone

Email

Website

Headshot URL ?Direct URL to your professional headshot. Used on PDFs, emails, and the quote presentation. Click Upload to add an image from your device.

Application Link ?The URL where clients start their HELOC application. Clients see this as the "Apply Now" button on their quote page.

Calendar Link ?Your scheduling link (Calendly, Cal.com, etc.). Clients see this as the "Schedule a Call" button on their quote page.

Review Link ?Your Google Business review link. Clients can leave a review after closing.

Book a Call Button Text ?Customize the CTA text for your calendar link button.

About / Bio ?A short bio shown on client quote pages. Tell clients about your experience and what makes you different.

🔔 Notification Preferences

Email me when a new lead arrives

When enabled, you'll receive an email at your account address each time a lead is received via webhook.

📞 Scheduling & Call Notifications (Ezra)

Notification Phone ?Phone number for SMS alerts when clients request calls via Ezra

Notification Email ?Email for scheduling alerts (defaults to your account email)

SMS me when client requests a call

Email me for schedule requests

🔗 CRM Integration

CRM Webhook URL ?Your CRM webhook URL to receive schedule request data (GHL, Salesforce, etc.)

CRM Type

When clients ask Ezra to "call me" or schedule a call, you'll be notified instantly via your preferred methods.

📱 Mobile App & Notifications

Add to home screen for instant access

Enable push notifications

Status: Not subscribed

Install the app and enable notifications to get instant alerts when clients request calls, even when the app is closed.

✉️ Email Send Preferences

Default Email Client

Gmail and Outlook copy the rich HTML email to clipboard and open compose — paste with Ctrl+V. GHL sends directly via API. Google OAuth for direct send coming soon.

🏢 Company & Office

Office Address

Lender Logo URL

🔐 Change Password

New Password

Confirm New Password

✉️ Email Preferences

When you click "Send via Gmail" on a quote, how should it work?

⚡ Send with one click (Gmail OAuth)
Uses your connected Google account. Best for Gmail users who sign in with Google. 🌐 Open Gmail in my browser
Opens Gmail compose in a new tab. The quote is copied to your clipboard — paste with Ctrl+V. ❓ Ask every time
Prompt on first send, remember your choice for that session.

✓ Preference saved

🎨 White Label Branding

Lender Name (Header)

Tagline

🎨 Color Customization

Header BG

Accent Color

Header Text

Body Text

Apply Link URL ?The URL where clients can start their HELOC application. This link is embedded in quotes, emails, and the "Apply Now" button. Leave empty to use your profile's apply link.

Apply Link Text

🎯 Client Quote Features TITANIUM v5.9.3

Show Pre-Qual Checklist

Show Document Upload

Show Tier Comparison

Show DTI Calculator

Show "What If" Payoff Calc

Show Testimonials

Tier Comparison Mode

📧 Lead Parser PRO

Paste Lead Email Body

🏦 Lender Info Parser

Paste Lender Prequal / Rate Sheet

✉️ Email Templates & Quick Share

Client Email

Client Phone

Email Subject

📧 Email Body Template

🔌 Integrations ADMIN

🟢 GoHighLevel (GHL) ⭐ RECOMMENDED — richer automations & native pipelines

API Key (Private Integration) ?Found in GHL → Settings → Integrations → Private Integrations. Starts with "pit-". Needed to push leads and contacts to GHL.

Location ID ?Your GHL sub-account location ID. Found in the URL when inside your GHL sub-account (the long string after /location/).

From Name

From Email (verified)

Pipeline ID ?Found in GHL → Opportunities → Pipeline settings. Copy from the pipeline URL. Leads pushed to GHL will land in this pipeline.

Stage ID (first stage) ?The ID of the pipeline stage where new leads should be placed. Found in your GHL pipeline stage URL.

Follow-up Task (days)

Calendar Link (optional)

Webhook URL (optional - for automations)

Get API key from GHL → Settings → Integrations → Private Integrations. Pipeline/Stage IDs from your pipeline URL. "From Email" must be verified in GHL.

🔄 Native GHL Sync BETA

Sync Direction

Bidirectional Carbon → GHL Only GHL → Carbon Only

Field Mappings

Credit Score Field ID

Home Value Field ID

HELOC Status Field ID

Loan Amount Field ID

Pipeline Stage Mappings

New →

Quote Sent →

Funded →

Lost →

GHL → Carbon Webhook URL ?Copy this URL into GHL → Settings → Webhooks to sync changes from GHL back to Carbon.

🟠 n8n Workflow Automation

Webhook URL ?Your n8n webhook trigger URL. Create a Webhook node in n8n, copy the Production URL, and paste it here. Events like new quotes or leads will POST here.

Auth Header ?Optional Bearer token or API key for securing your n8n webhook. Add the same value in your n8n Webhook node's Header Auth settings.

📍 Radar.io Address Autocomplete (Optional)

Radar API Key

Get a free key at radar.com - enables address autocomplete. Without a key, you can still type addresses manually.

🤖 AI Strategy Generator

Checking AI status...

AI provider, model, and API key are configured per-user by the Super Admin. All AI calls are routed through a secure server-side proxy — keys never reach the browser.

🎬 HeyGen AI Video DIAMOND

Auto-generate personalized video greetings for each client quote using your AI avatar.

HeyGen API Key ?Your HeyGen API key from Settings → API Keys in the HeyGen dashboard.

Avatar ID ?Your avatar ID from HeyGen. Create a video avatar first, then copy its ID from the avatar details page.

Voice ID (optional)

Create your video avatar at app.heygen.com/avatars. Record a 2-minute training video and HeyGen creates your digital twin.

🔗 Webhooks & CRM Connections

⬇️ INBOUND — Your Webhook URL (give this to CRMs)

External services (Bonzo, Zapier, etc.) will POST lead data to this URL. Each source gets a unique endpoint.

Each URL includes a unique security token. If compromised, regenerate it (all CRM webhook URLs must be updated).

🔗 Your Carbon HELOC Webhook URLs

Paste these into Bonzo, GHL, and your lead sources. Each URL is unique to your account & subscription — leads land in your Carbon HELOC pipeline only. ?If a URL stops working, contact support — we can issue a temporary direct URL while we troubleshoot.

Bonzo → Carbon HELOC Webhook

Bonzo → Settings → Webhooks → paste here for the lead created event.

GHL → Carbon HELOC Webhook

GHL → Workflow → add a Webhook action and paste here, OR Settings → Webhooks for contact-created.

▸ Step-by-step setup

Recommended: GHL Workflow → Webhook action (only fires for pipelines you pick, so you avoid syncing every contact).

GHL → Automations → Workflows → New Workflow
Trigger: Pipeline Stage Changed (or Contact Created with HELOC tag)
Add Action → Webhook
Paste the URL above into the Webhook URL field
Method: POST, then Save + Activate

Alternative: Settings → Webhooks

Fires on every contact-created event. Simpler but noisier — you'll get every contact, not just HELOC leads.

Lead Source / LeadMailbox Inbound

📧 Gmail (Direct Send via OAuth)

Not connected

Connect your Gmail account to send quote emails directly — no clipboard paste needed. Uses Google OAuth; your password is never stored.

Google OAuth Client ID ?Your Google Cloud OAuth 2.0 Client ID. Found in Google Cloud Console → APIs & Services → Credentials. This is the same Client ID configured in your Supabase Auth → Google provider settings.

Requires Gmail or Google Workspace account. Only sends on your behalf — we never read your inbox. Make sure https://your-domain/gmail-oauth-callback.html is an authorized redirect URI in your Google Cloud Console.

🟠 Bonzo CRM (Two-Way Sync)

Bonzo Xcode (short hash) ?Your Bonzo Xcode key — a short hash like "d9a5cf48...". Found in Bonzo → Settings → API / Integrations → Xcode.

Bonzo API Key (long JWT token) ?Your Bonzo API Bearer Token — a long string starting with "eyJ...". Found in Bonzo → Settings → API Keys → Create Token.

Find your Xcode in Bonzo → Settings → API / Integrations → Xcode. The API Key is a separate key from the same page. Both are required for full sync.

Bonzo Inbound Webhook URL ?Copy this URL and paste it into Bonzo → Settings → Webhooks. When Bonzo triggers an event (new lead, status change), it sends data here automatically.

Paste the Bonzo Inbound URL into Bonzo → Settings → Webhooks. The Xcode + API Key enable outbound sync (push leads TO Bonzo) and the "Sync Bonzo" button in MY LEADS.

🔀 Pipeline Stage Mapping OPTIONAL

Map Carbon statuses to Bonzo pipeline stages. When you change a lead's status, the prospect moves to the mapped stage in Bonzo automatically.

Bonzo Pipeline ?Select which Bonzo pipeline to sync status changes to. Click "Fetch" to load your pipelines from Bonzo.

Reactivation Campaign ?Select a Bonzo campaign to automatically enroll funded clients into when they're ready for refinance (180+ days since funding). Click "Fetch" to load your campaigns.

🔵 Follow Up Boss (Optional)

FUB API Key ?Your Follow Up Boss API key. Found in FUB → Admin → API. Enables two-way lead sync with Follow Up Boss CRM.

⬆️ Outbound Webhooks ?Outbound webhooks send data FROM this app to external services when things happen (new quote saved, lead received). Add URLs from Zapier, Make, or custom APIs.

When events happen (new quote, lead received), automatically POST data to these URLs. Use for Zapier, Make, custom APIs, etc.

📊 Webhook Activity Log

No webhook activity yet.

🔔 Notification History

0

Total Notifications

0

Today

0

Pending

0

Urgent

🔔

Loading notifications...

📱 Active Devices

Loading devices...

🎤 Voice Control Settings

Enable Voice Recognition

Turn on wake-word commands and Ezra AI voice input

Wake Word

Language

Popular Voice Commands

"Create quote for John"

"Find lead Smith"

"Go to rates"

"Export PDF"

"Send email"

🛡️ Super Admin Panel RESTRICTED

Email	Role	Tier	Status	Keys	Created	Actions
Click "Refresh Users" to load

API Keys for:

GoHighLevel

GHL API Key

GHL Location ID

n8n Automation

n8n Webhook URL

Bonzo CRM

Bonzo Xcode

Bonzo API Key

Xcode and API Key are separate keys — both found in Bonzo → Settings → API / Integrations.

Bonzo Webhook URL

Follow Up Boss

FUB API Key

AI Configuration (server-side — key never sent to client)

AI API Key

AI Provider

Endpoint URL (optional override)

Model

Max Tokens

System Prompt (optional)

AI Cascade Fallback Keys (optional — server tries cheapest first)

Kimi API Key ?Get from platform.moonshot.cn — 3rd fallback in AI cascade.

Perplexity API Key ?Get from perplexity.ai/api — 4th fallback in AI cascade.

Grok API Key ?Get from console.x.ai — 5th fallback in AI cascade.

🤖 AI Usage Analytics

Total Calls

0

Total Cost

$0.00

Total Tokens

0

Avg/User

$0.00

By User & Provider

Email	Provider	Model	Calls	Tokens	Cost
Click a date range to load data

By Feature / Intent

Intent	Calls	Cost
Click a date range to load data

Competitor Rates (Client Comparison Table)

These rates appear in the Ezra comparison table on client quote pages. Update when market rates shift.

Cash-Out Refi %

Personal Loan %

Credit Card %

Term	Rate	Payment
30-Yr	0.00%	$0
20-Yr	0.00%	$0
15-Yr	0.00%	$0
10-Yr	0.00%	$0

Term	Rate	Payment
30-Yr	0.00%	$0
20-Yr	0.00%	$0
15-Yr	0.00%	$0
10-Yr	0.00%	$0

Term	Rate	Payment
30-Yr	0.00%	$0
20-Yr	0.00%	$0
15-Yr	0.00%	$0
10-Yr	0.00%	$0

Get More Done in Less Time

Build Professional HELOC Proposals in Seconds

Send This Quote

✉️ Send Quote via Email

Send via Gmail

Send via Go High Level

Send via Bonzo + Gmail

Open in Outlook

Preview & Copy Rich HTML

⚡️ Above All Carbon HELOC

📋 Client Info

⚙️ Loan Options

💳 Debt Consolidation ?Add existing debts (credit cards, auto loans, etc.) that the HELOC will pay off. The quote shows total monthly savings from consolidation.

🔄 Existing HELOC Payoff ?If the client already has a HELOC being refinanced, enter it here. The quote will show a side-by-side comparison of old vs new terms.

📄 Presentation Output Controls ?Control what appears on the client-facing link vs the PDF export. Client Link = the web page they see. PDF = the downloaded document.

📑 Quote Templates

📂 Saved Quotes

📊 Pipeline Overview

📈 Advanced Analytics

📊 Section Engagement

🔥 Most Engaged Leads

Viewing Right Now

👥 My Leads

Add New Lead

💰 Rate Configuration

TIER 1: 4.99% Pts

TIER 2: 2.99% Pts

TIER 3: 1.50% Pts

👤 LO Profile

🔔 Notification Preferences

📞 Scheduling & Call Notifications (Ezra)

🔗 CRM Integration

📱 Mobile App & Notifications

✉️ Email Send Preferences

🏢 Company & Office

🔐 Change Password

✉️ Email Preferences

🎨 White Label Branding

🎨 Color Customization

🎯 Client Quote Features TITANIUM v5.9.3

📧 Lead Parser PRO

🏦 Lender Info Parser

✉️ Email Templates & Quick Share

📧 Email Body Template

🔗 Client Quote Link

📱 SMS-Ready Message

🔗 URL Shortener

🔌 Integrations ADMIN

🟢 GoHighLevel (GHL) ⭐ RECOMMENDED — richer automations & native pipelines

🔄 Native GHL Sync BETA

🟠 n8n Workflow Automation

📍 Radar.io Address Autocomplete (Optional)

🤖 AI Strategy Generator

📝 Custom AI System Prompt

Rate Sheet Pre-Pricing

🎬 HeyGen AI Video DIAMOND

🎙️ Client-Quote AI Assistant ENTERPRISE

🔗 Webhooks & CRM Connections

⬇️ INBOUND — Your Webhook URL (give this to CRMs)

🔗 Your Carbon HELOC Webhook URLs

📧 Gmail (Direct Send via OAuth)

🟠 Bonzo CRM (Two-Way Sync)

🔀 Pipeline Stage Mapping OPTIONAL

🔵 Follow Up Boss (Optional)

⬆️ Outbound Webhooks ?Outbound webhooks send data FROM this app to external services when things happen (new quote saved, lead received). Add URLs from Zapier, Make, or custom APIs.

📊 Webhook Activity Log

🔔 Notification History

📱 Active Devices

🎤 Voice Control Settings

🛡️ Super Admin Panel RESTRICTED

Edit User:

API Keys for:

GoHighLevel

n8n Automation

Bonzo CRM

Follow Up Boss

AI Configuration (server-side — key never sent to client)

AI Cascade Fallback Keys (optional — server tries cheapest first)

Invite New User

Confirm Action