Creating Property Cards

Overview

Property Cards eliminate the tedious work of gathering property information by hand. When you enter a property address, Deal Details searches four nationwide databases and returns everything you need to build a quote that lands within $50 of the final Closing Disclosure. This includes listing details, property taxes, insurance estimates, HOA dues, flood zone status, and existing mortgage information for properties across all 50 states.

Before You Start

Requirement	Details
Property Address	At minimum, the street number and partial street name of a listed property
Active Scenario	You should be working within a loan scenario where you want to apply the property data

Step-by-Step: Running a Property Card

1. Enter the Property Address

Navigate to the Property Card section within your scenario
Begin typing the street address (as few as 8 characters can work)
Watch for the property to appear in the dropdown as you type

2. Select the Property and Fetch Data

Click the matching property from the dropdown list
The system queries four nationwide databases simultaneously
Within seconds, the Property Card populates with comprehensive data

3. Review the Property Card Information

The Property Card displays data organized into these sections:

Section	Information Included
Listing Information	Sales price, listing agent name and contact, brokerage, MLS source, subdivision name, school district
Property Details	Year built, parcel ID, property photos
Mortgage Information	Most recent loan origination date, original loan amount, interest rate, lender name
Property Taxes	Current year tax amount, tax as percentage of county market value, tax as percentage of sales price
City Taxes	City tax amount if applicable (displays if none are required)
Insurance Quotes	Preliminary quotes from multiple carriers in your state (provides a range for expected final cost)
Flood Zone Status	Indicates whether the property is located in a flood zone
HOA Dues	Monthly HOA amount if applicable

4. Apply Data to Your Scenario

Once you have reviewed the Property Card, select which values to use in your quote:

County Taxes: Click to pull in the exact recent county tax amount shown on the card (monthly amount is calculated for you)
Homeowners Insurance: Choose a specific carrier quote or use the average of all quotes returned
City Taxes: Apply if applicable to the property location
HOA Dues: Pull in the monthly dues amount and decide whether to include them in the payment display

⚠️ Important: The insurance quotes shown are preliminary estimates based on excellent credit. Actual insurance costs may vary based on your client's specific situation and the carrier they ultimately select.

5. Finalize and Save

Confirm all selected values are applied to your scenario
The Property Card data now feeds directly into your loan quote calculations
You can reopen the Property Card at any time to reference the original data

Understanding the Data Sources

What Property Cards Pull Automatically

Data Type	Why It Matters
Recent Mortgage Info	Helps you understand the seller's current loan situation and potential payoff amounts
Tax Percentages	Shows taxes relative to both county assessed value and sales price for more accurate projections
Insurance Range	Multiple carrier quotes give you a realistic starting point rather than a single guess
Flood Zone Check	Immediately identifies if flood insurance will be required, affecting the total payment

Finishing Up

1. Verify Your Quote Accuracy

Compare your projected payment against the data you pulled
Ensure taxes, insurance, and HOA are properly reflected in your calculations

2. Save Your Scenario

Your Property Card selections are saved with the scenario
You can revisit and adjust values as you get more precise information from your client

Quick Reference

Enter Address → Select Property → Review Card Data → Choose Values to Apply → Save to Scenario

Tips for Success

Start typing early: The address lookup begins working with just a few characters, so you do not need to type the full address before results appear
Use the tax percentages: When the sales price differs significantly from the assessed value, the percentage calculations help you estimate taxes more accurately for the actual purchase price
Average the insurance quotes: Unless your client has a carrier preference, using the average of returned quotes provides a reasonable middle-ground estimate
Check flood zones immediately: In coastal or low-lying areas, flood zone status can significantly impact your client's total monthly payment, so address this early in the conversation
Reference the listing agent info: Having the listing agent's contact information readily available helps you coordinate on contract details and closing timelines