Enter your client's details, and watch a polished, branded proposal generate in real
time — complete with rate matrices, payment breakdowns, and AI strategy.
Quick Start:Tip: AI Builder auto-writes your call script + talking points.
📋
Client Info
$0 (Auto)
⚙️ 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.
🔄 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.
🎯 Recommendation & Displayclick to expand
⚠ 2nd Best must differ from Primary
📄 Presentation Output Controlsclick to expand
📄
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.
🔗 Client Link
Features
0 / 1500 chars
Edit the script above or click Regenerate. Video will be generated when you create the client link (~2 min).
⏰
🔒
📄 PDF Output
Features
Check which optional
sections you want visible to the client on the generated link versus the exported PDF.
📑
Quote Templates
ENTERPRISE
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.
0 quote(s) selected
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📊 Pipeline Overview
—
Total Leads
—
New
—
Contacted
—
Quoted
—
Quote Rate
—
👁 Quote Opens
—
👆 CTA Clicks
—
🔥 Hottest Lead
📈
Advanced Analytics
ENTERPRISE
—
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
REACTIVATION0 leads 180+ days since funded
?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
Add New Lead
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
$0
FIXED
VARIABLE
TIER 2: 2.99% Pts
$0
FIXED
VARIABLE
TIER 3: 1.50% Pts
$0
FIXED
VARIABLE
🚀 Rocket HEL Pricer — up to 3 Options
Pull rate options from Rocket Pro. They replace the tier grid for HEL quotes. Untick Show on any option to present the client just 1 or 2 cards.
Option 1
Option 2 ★
Option 3
📋 Paste Rate from Rocket Pro
Paste one rate row at a time. The parser will extract the rate, payment, and credit/points — then ask which option to assign it to.
Found:
Assign to:
⭐ Honorable Mention (HELOC Option)
👤 LO
Profile
🎥 Featured Videos & Social ?Paste up to 3 video links (YouTube embeds inline; Instagram/TikTok/other open in a new tab). Add your YouTube channel and Instagram so clients can see more. Shown as a "See Me In Action" section on the client quote.
🔔
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)
SMS me when client requests a call
Email me for schedule requests
🔗 CRM Integration
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
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
🔐 Change Password
✉️ Email Preferences
When you click "Send via Gmail" on a quote, how should it work?
✓ Preference saved
Auto follow-up emails (Day 3 nudge) are sent from:
⚠️ Gmail isn't connected — the Day-3 email nudge will be skipped (SMS still sends). Connect Gmail above or switch to Resend.
✓ Preference saved
Your email signature — added to auto follow-up emails (Gmail API sends don't auto-attach your Gmail signature). Paste HTML or plain text: name, NMLS, phone, disclosures.
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
New →
Quote Sent →
Funded →
Lost →
Last sync: Never
Not configured
🟠 n8n Workflow Automation
📍 Radar.io Address Autocomplete (Optional)
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.
📝
Custom AI System Prompt
OBSIDIAN+
This prompt shapes
how the AI generates sales strategies. The default prompt is tailored for HELOC — only
override if you need a specific approach.
Rate Sheet Pre-Pricing
PLATINUM+
Upload a lender rate sheet and Ezra will auto-fill rates based on FICO, CLTV, term, and origination fee.
No rate sheet uploaded
🎬 HeyGen AI Video ENTERPRISE
Auto-generate
personalized video greetings for each client quote using your AI avatar.
Create your video avatar at app.heygen.com/avatars.
Record a 2-minute training video and HeyGen creates your digital twin.
🎤 ElevenLabs Voice Narration ENTERPRISE
Add your cloned AI voice to every Video Quote reel — personalized narration auto-generated per quote, cached after first play.
Clone your voice at elevenlabs.io/voice-lab.
Narration plays over a ducked music bed (12% volume). Each unique quote generates audio once — subsequent views use the cached file.
🎙️ Client-Quote AI Assistant ENTERPRISE
By default, every client quote shows Ezra (text chat). Optionally swap in your
own GHL voice-AI widget (e.g., Erika) so clients can talk and book appointments directly.
Paste the embed code from your GHL widget settings below.
⚠ Embed code is rendered as-is on the client quote — only paste code from sources you trust.
🔗 Webhooks & CRM Connections
My CRMYour My Leads list opens filtered to this CRM. Pick “Both” to see every source by default.
⬇️ 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 → Settings → Webhooks → paste here for the lead created event.
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.
📧 Gmail (Direct Send via OAuth)
Not connected
Connect your Gmail account to create editable quote drafts and send quote emails directly — no clipboard paste needed. Uses Google OAuth; your password is never stored.
Requires Gmail or Google Workspace account. Only creates drafts or sends quote emails when you request it — we never read your inbox. Review our Google API disclosure. Make sure https://your-domain/gmail-oauth-callback.html is an authorized redirect URI in your Google Cloud Console.
🟠 Bonzo CRM (Two-Way Sync)
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.
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.
Map each Carbon status to a Bonzo pipeline stage:
Saved!
🔵 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.
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
Voice is Active
Say "Hey Ezra" to activate
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
Edit User:
API Keys for:
GoHighLevel
n8n Automation
Bonzo CRM
Xcode and API Key are separate keys — both found in Bonzo → Settings → API / Integrations.
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
📂
Quotes for:
Loading...
🤖 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.
Screen Share
Not
Connected
Click "Start Capture"
to share your screen
📄 Select Sections to Print
Live preview · what your client sees
Edit in your Workspace — changes appear here instantly.
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 Payoff
$0
HELOC Amount
$200,000
Proposed CLTV
0%
Fixed Rate Funding Matrix INTEREST
ONLY
TIER 1: 4.99% Pts
Term
Rate
Payment
Fee
30-Yr
0.00%
$0
$0
20-Yr
0.00%
$0
15-Yr
0.00%
$0
10-Yr
0.00%
$0
TIER 2: 2.99% Pts
Term
Rate
Payment
Fee
30-Yr
0.00%
$0
$0
20-Yr
0.00%
$0
15-Yr
0.00%
$0
10-Yr
0.00%
$0
TIER 3: 1.50% Pts
Term
Rate
Payment
Fee
30-Yr
0.00%
$0
$0
20-Yr
0.00%
$0
15-Yr
0.00%
$0
10-Yr
0.00%
$0
Variable Rate Funding Matrix INTEREST
ONLY
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-YEARFIXED
20-Yr @ 7.50% | 2.99% Orig | $1,612/mo
The "Sweet Spot" balancing rate + capital preservation.
⚠️ 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.