The scenario
Every input the borrower entered: price, down payment, income, debts, rate and term, depending on the calculator.
For independent loan officers
Mortgage calculators for independent loan officers who are the whole team
You can't answer every website visitor, but you can make sure the serious ones leave their numbers.
Free plan, no card. Paid plans include a 14-day trial.
Key takeaways
- Set up once in an evening; one line of code per page.
- Leads arrive with inputs, results, consent and traffic source.
- The free plan covers the lead form, CRM and email alerts.
- Upgrade to push leads into HighLevel or brand calculators fully.
PrequalFunnel gives an independent loan officer a pre-qualification funnel that runs without staff: calculators on your website or funnel, a lead form under the borrower's result, and a lead that arrives with every number attached. You start free, keep follow-up in one place, and spend your time on borrowers who already know roughly what they can afford.
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What is the real constraint for a one-person mortgage shop?
Time. You are originating, marketing, answering texts from agents and chasing conditions, often in the same hour. Your website gets visitors at night and on weekends, when you are not there to qualify anyone, and a generic contact form turns those visits into a name and a phone number you have to call cold.
A calculator funnel shifts the first part of the conversation onto the borrower. They enter a price, a down payment and their debts, see a payment and a debt-to-income ratio, and then decide whether to raise their hand. When they do, you already know the scenario. A ten-minute discovery call becomes a two-minute confirmation call.
That is the whole pitch for an independent LO: fewer wasted dials, faster first touches, and a website that does useful work while you are at a closing table. It does not replace your judgment, your pricing engine or your LOS. It hands you better-prepared conversations.
How does a solo LO set it up in one evening?
Five steps. None needs a developer.
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Pick three calculators
Start with a mortgage payment calculator, the pre-qualification calculator and the DTI calculator. Add FHA or VA if those are your core programs.
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Brand them
Your colors, logo and button copy, and a consent line your compliance contact approves. Pick a theme in light or dark mode.
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Paste one line of code
Put the payment calculator on your home page and the program calculators on matching program pages. See embed options.
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Send yourself a test lead
Submit the form on the live page and confirm the email alert and the CRM record.
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Write your first-touch message
A short text or email that references the borrower's own numbers without quoting a rate or promising approval.
What does an independent LO actually get each time a borrower submits?
A lead that explains itself, so you can prioritize from your phone.
What they saw
Every result: payment, PITI, DTI, maximum price. You know the number that set their expectations.
Where they came from
Page URL plus UTM tags, ad click IDs and referrer, so you know whether your Facebook post or your Google Business Profile produced it. See lead attribution.
A history, not duplicates
If the same borrower comes back, the new calculation is added to their record in the built-in CRM.
An email alert
Each new lead triggers an alert, so the 9:40 p.m. lead is not discovered the next afternoon.
Which plan fits an independent loan officer?
Most solo LOs start free and upgrade once leads justify automation.
| If you… | Plan | What you get |
|---|---|---|
| Want to test whether calculators produce conversations | Originator (free) | 5 calculators, 100 contacts, email alerts, CRM |
| Run follow-up in HighLevel or Zapier | Producer | Webhooks, 50 calculators, 10,000 contacts |
| Want only your brand on the page | Producer | White-label, up to 5 custom domains |
| Work bank-statement and self-employed borrowers heavily | Brokerage | Qualifying Income tools plus Unlimited calculators |
Watch the free plan's contact limit
Originator stores up to 100 contacts. Past that, new leads are not stored, although the borrower still sees a success message and you get a notice at most once a day. If ads are running, upgrade before the cap, not after a weekend of missing leads.
How is this different from the contact form already on my site?
A contact form asks for trust first. A calculator funnel gives value first.
Generic contact form
- Name, phone, "How can we help?"
- No idea of price, down payment or debts
- Discovery happens on your time
- Borrower has no reason to fill it in yet
PrequalFunnel calculator
- Borrower sees their own payment and DTI first
- Lead arrives with the full scenario
- Discovery is mostly done before you call
- The form appears when the borrower has a reason to talk
Need the website itself?
PrequalFunnel adds calculators to the site you already have. If you don't have one, a partner builds done-for-you websites for mortgage professionals.
See the done-for-you websitePartner link: we may earn a commission. The partner is a separate company. Partner disclosure.
Keep reading
FAQ · 9 questions
Questions loan officers ask
Do I need a website to use PrequalFunnel as an independent LO?
No. Each calculator has a direct link you can share in texts, email signatures, social bios and QR codes. A website or HighLevel funnel helps, because you can place calculators next to program pages, but the direct link works on day one.
How long does setup take for a solo loan officer?
Most of the work is choosing calculators and writing your consent line and first-touch message. The embed is one line of code per page. Plan for a single evening rather than a project.
Can I use PrequalFunnel if I'm licensed under a brokerage?
Usually, yes, but check your company's policy on personal websites and marketing tools first. Many companies require compliance review of anything with your name and NMLS ID. The branch and team leaders page covers that review.
Will borrowers think the calculator result is a pre-approval?
Each calculator carries a disclaimer that results are estimates. Reinforce it in your follow-up: say you'd like to review the numbers together. A pre-qualification is informal; a pre-approval needs documentation and credit.
What should my first message to a calculator lead say?
Reference their scenario, not a rate. For example: you saw they looked at a home around a certain price with a certain down payment, and you'd like to walk through what that payment includes. Send it within minutes and only within the consent they gave.
Is the free plan enough for a busy independent LO?
It can be for a while. Originator includes 5 calculators and 100 contacts with email alerts. If you want leads in HighLevel automatically, your own domain or more contacts, Producer is the usual next step.
Can I get leads by text message instead of email?
The built-in alert is email. On Producer or Brokerage, send the lead by webhook to HighLevel, Zapier or Make and have that tool notify you by text or app push.
Do the calculators work for VA, FHA and USDA borrowers?
Will PrequalFunnel sell or share my leads?
No. Your leads are yours. PrequalFunnel processes them as a service provider to you and never sells or shares them. See security and privacy for details.
PrequalFunnel
Your next borrower is already on your site.
Give them the numbers they came for, and get the lead with those numbers attached.
Free forever on Originator. Upgrade when you want webhooks and your own brand. 14-day free trial on monthly and yearly. Cancel before it ends and you pay nothing.