Get More Done in Less Time

Top-producing LOs automate what slows them down

One extra deal a month pays for every tier. How many are you leaving on the table?

Upgrade Now
0% Setup
Welcome to Above All Carbon

Build Professional HELOC Proposals in Seconds

Enter your client's details, and watch a polished, branded proposal generate in real time — complete with rate matrices, payment breakdowns, and AI strategy.

📊
3-Tier Rate Matrix
📄
One-Click PDF Export
🤖
AI Sales Strategy
🔌
CRM Integration
⋮⋮
✓ Saved

Send This Quote

0/160

✉️ Send Quote via Email

📸 Capturing quote screenshot...
📧

Send via Gmail

Copies rich HTML email to clipboard and opens Gmail compose. Paste with Ctrl+V.

›
📧

Open in Outlook

Copies rich HTML email to clipboard and opens Outlook. Paste with Ctrl+V.

›
🎨

Preview & Copy Rich HTML

Preview the professional email and copy HTML to paste into any email client.

›
1
🚫
Do Not Contact Warning
This contact is flagged as Do Not Contact.

HELOC Proposal

Unlock Your Wealth Without Selling
Prepared For
CLIENT NAME
Est. Credit Score
Date Prepared
Property Address
Occupancy
Primary Residence

Valuation & Liquidity Summary

Estimated Value
$0
Current Mortgage
$0
HELOC Amount
$200,000
Proposed CLTV
0%

Fixed Rate Funding Matrix

TIER 1: 4.99% Pts

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

TIER 2: 2.99% Pts

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

TIER 3: 1.50% Pts

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

Variable Rate Funding Matrix

TIER 1: 4.99% Pts

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

TIER 2: 2.99% Pts

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

TIER 3: 1.50% Pts

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

Recommended 20-YEAR FIXED

20-Yr @ 7.50% | 2.99% Orig | $1,612/mo
The "Sweet Spot" balancing rate + capital preservation.
🔒 Rate locked for 30 days

Monthly Payment Snapshot

HELOC Amount$200,000
Origination Points2.99% ($0)
Total Loan Amount$0
Interest Rate7.50% Fixed
Rate Lock30 days
Loan Term20 Years
Your Payment$1,612
📊 Break-Even Analysis vs. Tier 3
Upfront Difference: $0 | Monthly Savings: $0 | Break-Even: 0 months
🔄 HELOC Refi Comparison
Old Payment
$0
Old Rate
0%
New Payment
$0
Difference
$0/mo
1-Year Savings
$0
5-Year Savings
$0
Lifetime Savings: $0
💳 Debt Consolidation Analysis
Creditor Balance APR Payment Annual Int.
Blended Rate: 0% | Current Payments: $0 | HELOC Payment: $0 | Net Savings: $0/mo
🤖 AI-Generated Strategy
Click "Generate AI Strategy" to create a personalized sales script based on this client's data.
⚠️ IMPORTANT DISCLOSURE: This quote is for informational purposes only and does not constitute a commitment to lend. All loan programs are subject to credit approval, income verification, and underwriting guidelines. Rate is locked for 30 days. Rates and terms are subject to change without notice after lock expiration. Contact your loan officer for current rates and eligibility requirements.