The refi boom isn't here yet. Your next refi is.

Arcasa's new Refinance Prospecting tool lets a loan officer upload their book of business and see, loan by loan, which past clients can refinance into a lower rate today. No waiting on the Fed required.

Here's the thing nobody says out loud: your pipeline is still thinner than in past years, and a chunk of your old clients are overpaying. Those two problems solve each other. The hard part has always been figuring out which clients pencil right now (especially with stubborn rates), because running that math by hand, loan by loan, is the kind of work that never gets done. So it doesn't. And then rates drop, and every LO in the country calls the same people on the same Tuesday.

This tool does the boring part for you. Upload the list, get your prospects back sorted by impact, call the best ones first.

The Short Version

• Upload your book of business to our templated CSV.
• Get a near real-time, loan-by-loan refinance analysis, sorted with the highest-impact prospects on top.
• Start a lead and submit to Arcasa in one click.
• Re-run the whole list when rates move by changing one number. No new upload.
• Each refi runs as a standard FHA rate-and-term or simple refinance.

Why This Matters in a Slow Market

When your purchase volume dries up, the instinct is to wait for it to come back. But your next closing might not be with a new buyer. It's the borrower you put in a home eighteen months ago at a rate they've quietly resented ever since.

Those clients are already yours. They trust you, you have their file, and right now, most of them have no idea a lower payment is on the table. The Refinance Prospecting tool is how you find them before the rest of the market does.

What the Tool Does

It turns a spreadsheet of old loans into a short list of people worth calling today.

• Upload your book. Export your loans into a simple file and drop it in.
• Get a prioritized read. Almost in real time, you get a loan-by-loan analysis with the highest-impact prospects front and center.
• Start in one click. When a prospect looks good, start the lead and submit to Arcasa, one click.
• Re-run when rates move. Change one rate input and re-calculate the entire list. You don't re-upload a thing.

"We wanted it to be Arcasa easy. Upload your book of business in a format you already have, and almost in real time, you get a prioritized, sorted list of refinance prospects, with the highest-impact opportunities front and center. Starting a lead is one click. And when rates drop, you can re-run the entire list by changing one number, no new file required."

How the Refi Pencils

Finding the prospect is half the job. Making the refinance worth doing is the other half, and that's the part most LOs can't pull off on their own at today's rates.

Lead with the money. When the Energy-Smart funds are unlocked at closing, they go toward closing costs and a rate buydown, and in some scenarios that's enough to get the rate into the 5s (estimated, and it depends on the loan). No second monthly payment. No income caps. It closes much like the FHA refi your team already runs.

Then the monthly side. A solar system installed after closing reduces the home's operating costs, in addition to the new payment. Solar homes also sell for an average of 4.1% more than comparable non-solar homes (Zillow).¹

"Arcasa's mission of bringing affordability and sustainability to every home includes the ones already in a loan officer's book. For borrowers waiting on rates to drop, our Refinance tool surfaces a path to a lower rate now. Our closing costs assistance, which covers rate buydowns, makes tomorrow's refinance make sense today. And the solar that comes with it reduces the operating cost of the home they've already fallen in love with."

Frequently Asked Questions

About the Author

Henry N. Smith is co-founder and Chief Experience Officer at Arcasa, the fintech platform behind the nation's most versatile FHA DPA program. Prior to Arcasa, Henry led brand and marketing at SimpleNexus (acquired by nCino), where he helped scale a top mortgage technology platform from Series A through enterprise. He writes about housing finance, energy, and the structural arguments for and against the way America funds homeownership. Connect on LinkedIn.

Sources

Subject to credit approval. Not everyone will qualify. Tax benefits depend on your personal situation and are subject to change based on future IRS guidance. Consult a tax advisor.