Great News, {{ $user->name ?? '' }} may qualify to
@php
$propertyName = $data['property_name'] ?? null;
$m = $data['mdata'] ?? null;
$mortgageInfo = $data['mortgage_info'] ?? null;
// Prefer explicitly passed current_estimated_home_value (from property),
// but fall back to mdata if it happens to contain this field.
$currentEstimatedHomeValue = $data['current_estimated_home_value']
?? ($m->current_estimated_home_value ?? null);
@endphp
@if($alertType === 'take_cash_out')
Get Cash-Out
${{ number_format($data['potential_cash_out_value'] ?? 0, 2) }}
@elseif($alertType === 'lower_rate_same_term')
Lower Your Payment
@if($m)
{{ number_format($m->proposed_interest_rate ?? 0, 3) }}% / {{ number_format($data['annual_purchase_rate'] ?? 0, 3) }}% APR
@endif
@elseif($alertType === 'lower_rate_not_same_term')
Lower Interest Cost
@if($m)
{{ number_format($m->proposed_interest_rate ?? 0, 3) }}% / {{ number_format($data['annual_purchase_rate'] ?? 0, 3) }}% APR
@endif
@elseif($alertType === 'remove_mortgage_insurance')
Remove Mortgage Insurance
@if($m)
{{ number_format($m->proposed_interest_rate ?? 0, 3) }}% / {{ number_format($data['annual_purchase_rate'] ?? 0, 3) }}% APR
@endif
@else
{{ ucfirst(str_replace('_', ' ', $alertType)) }}
@endif
@if($propertyName)
{{ $propertyName }}
@endif
@if($alertType === 'take_cash_out' && $m)
Home Equity
${{ number_format(($m->current_estimated_home_value - $m->current_loan_balance), 2) }}
@elseif(in_array($alertType, ['lower_rate_same_term', 'lower_rate_not_same_term', 'remove_mortgage_insurance']))
@if(!empty($data['emi_monthly_saving']))
Monthly Payment Saving
${{ number_format($data['emi_monthly_saving'] ?? 0, 2) }}
@endif
@if($alertType === 'lower_rate_not_same_term' && !empty($data['interest_saving']))
Total Interest Saving
${{ number_format($data['interest_saving'] ?? 0, 2) }}
@endif
@endif
|
@if($alertType === 'take_cash_out')
}})
@elseif($alertType === 'lower_rate_same_term')
}})
@elseif($alertType === 'lower_rate_not_same_term')
}})
@elseif($alertType === 'remove_mortgage_insurance')
}})
@else
@endif
|
|
|
@if($propertyName)
{{ $propertyName }}
@endif
Estimated Property Value
@if(!is_null($currentEstimatedHomeValue))
${{ number_format($currentEstimatedHomeValue, 2) }}
@endif
{{-- Key loan metrics summary (two-column table like design screenshot) --}}
@if($m || $mortgageInfo || !empty($data['property_type']) || !empty($data['occupancy']))
@php
$originalLoanAmount = $m->original_loan_balance ?? null;
$currentLoanBalance = $m->current_loan_balance ?? ($data['current_loan_balance'] ?? null);
$creditScore = $mortgageInfo->estimated_credit_score ?? null;
$pmiValue = $mortgageInfo->monthly_pmi_payment
?? $m->current_mortgage_insurance_payment_monthly
?? null;
// Prefer values coming from the main mdata/mortgage_info payload,
// but fall back to the property-level attributes that are always
// included in the loan officer email payload.
$occupancy = $m->occupancy
?? $mortgageInfo->occupancy
?? $mortgageInfo->occupancyType
?? ($data['occupancy'] ?? null);
$propertyType = $m->property_type
?? $mortgageInfo->property_type
?? ($data['property_type'] ?? null);
$mortgageStartDate = $m->mortgage_start_date ?? $mortgageInfo->mortgage_start_date ?? null;
$currentRate = $m->current_interest_rate ?? $mortgageInfo->current_interest_rate ?? null;
@endphp
|
Original Loan Amount
@if(!is_null($originalLoanAmount))
${{ number_format($originalLoanAmount, 2) }}
@else
N/A
@endif
|
Credit Score
{{ $creditScore ?? 'N/A' }}
|
|
Current Loan Balance
@if(!is_null($currentLoanBalance))
${{ number_format($currentLoanBalance, 2) }}
@else
N/A
@endif
|
PMI
${{ number_format($pmiValue ?? 0, 2) }}
|
|
Property Type
@if($propertyType || $occupancy)
@if(in_array($alertType, ['lower_rate_not_same_term', 'lower_rate_same_term', 'take_cash_out', 'remove_mortgage_insurance']))
{{ $occupancy ?? 'N/A' }}
@else
{{ $propertyType ?? 'N/A' }}
@if($occupancy)
({{ $occupancy }})
@endif
@endif
@else
N/A
@endif
|
Mortgage Start Date:
@if($mortgageStartDate)
{{ \Carbon\Carbon::parse($mortgageStartDate)->format('M Y') }}
@else
N/A
@endif
|
|
Current Loan Rate
@if(!is_null($currentRate))
{{ $currentRate }}%
@else
N/A
@endif
|
|
@endif
EXISTING LOAN DETAILS
@php
$monthlyPaymentExisting = $m->current_monthly_payment
?? $m->current_mortgage_payment_monthly
?? $data['current_monthly_payment'] ?? null;
$loanTermExisting = $m->loan_term ?? $mortgageInfo->loan_term ?? null;
$loanTermYearsExisting = $loanTermExisting ? (int) round($loanTermExisting / 12) : null;
$interestRemainingExisting = $m->interest_remaining_on_current_loan
?? $data['interest_remaining_on_current_loan'] ?? null;
@endphp
@if($alertType === 'lower_rate_same_term')
@php
// Existing loan program (LRST only):
// - Prefer the program stored on the main mortgage_info record
// - Fall back to any explicitly passed loan_program
// - Finally, use `mortgageTypes` which mirrors the value sent to LenderPrice
$loanProgramExisting = ($mortgageInfo->loan_program ?? null)
?? ($data['loan_program'] ?? null)
?? ($data['mortgageTypes'] ?? null);
// Existing loan type (LRST only):
// - Prefer the type stored on the main mortgage_info record
// - Fall back to any explicitly passed loan_type
$loanTypeExisting = ($mortgageInfo->loan_type ?? null)
?? ($data['loan_type'] ?? null);
@endphp
@if($monthlyPaymentExisting || $loanTermExisting || $interestRemainingExisting || $loanProgramExisting || $loanTypeExisting)
|
Monthly Payment (P&I)
@if(!is_null($monthlyPaymentExisting))
${{ number_format($monthlyPaymentExisting, 2) }}
@else
N/A
@endif
|
Loan Program
{{ $loanProgramExisting ?? 'N/A' }}
|
|
Term
@if(!is_null($loanTermYearsExisting))
{{ $loanTermYearsExisting }} yr
@elseif(!is_null($loanTermExisting))
{{ $loanTermExisting }} months
@else
N/A
@endif
|
Loan Type
@if($alertType === 'take_cash_out')
{{ $data['mortgageTypes'] ?? 'N/A' }}
@else
{{ $loanTypeExisting ?? 'N/A' }}
@endif
|
|
Interest Remaining
@if(!is_null($interestRemainingExisting))
${{ number_format($interestRemainingExisting, 2) }}
@else
N/A
@endif
|
|
@endif
@else
@php
// Original behavior for all other alerts (including lower_rate_not_same_term):
// Only "Loan Type" is shown and derived from LenderPrice mortgageTypes or DB loan_type.
$loanTypeExisting = $data['mortgageTypes']
?? $mortgageInfo->loan_type
?? ($data['loan_type'] ?? null);
@endphp
@if($monthlyPaymentExisting || $loanTermExisting || $interestRemainingExisting || $loanTypeExisting)
|
Monthly Payment (P&I)
@if(!is_null($monthlyPaymentExisting))
${{ number_format($monthlyPaymentExisting, 2) }}
@else
N/A
@endif
|
Loan Type
@if(in_array($alertType, ['take_cash_out', 'remove_mortgage_insurance']))
{{ $mortgageInfo->loan_program ?? 'N/A' }}
@else
{{ $loanTypeExisting ?? 'N/A' }}
@endif
|
|
Term
@if(!is_null($loanTermYearsExisting))
{{ $loanTermYearsExisting }} yr
@elseif(!is_null($loanTermExisting))
{{ $loanTermExisting }} months
@else
N/A
@endif
|
|
|
Interest Remaining
@if(!is_null($interestRemainingExisting))
${{ number_format($interestRemainingExisting, 2) }}
@else
N/A
@endif
|
|
@endif
@endif
{{-- Show PROPOSED LOAN DETAILS only for rate / MI alerts --}}
@if(in_array($alertType, ['lower_rate_same_term', 'lower_rate_not_same_term', 'remove_mortgage_insurance']))
PROPOSED LOAN DETAILS
@php
$proposedMonthlyPayment = $m->proposed_mortgage_payment_monthly
?? ($data['proposed_mortgage_payment_monthly'] ?? null);
// Prefer explicit proposed term, but gracefully fall back to generic loan_term
$proposedTerm = $m->proposed_term
?? $m->loan_term
?? ($data['proposed_term'] ?? ($data['loan_term'] ?? null));
$proposedTermYears = $proposedTerm ? (int) round($proposedTerm / 12) : null;
// Loan type for proposed offer:
$apiResponse = $data['api_response'] ?? null;
$lpMortgageType = null;
if ($apiResponse && isset($apiResponse->lender_price)) {
$lp = $apiResponse->lender_price;
if (is_array($lp)) {
$lpMortgageType = $lp['mortgageType'] ?? null;
} else {
$lpMortgageType = $lp->mortgageType ?? null;
}
}
$proposedLoanType = $lpMortgageType
?? $data['mortgageTypes']
?? ($data['loan_type'] ?? null);
$proposedInterest = $data['interest_to_be_paid_for_new_loan'] ?? null;
$monthlySaving = $data['emi_monthly_saving'] ?? null;
$totalInterestSaving = $data['interest_saving'] ?? null;
$costOrCredit = $m->cost_or_credit ?? null;
@endphp
@if($proposedMonthlyPayment || $proposedTerm || $proposedLoanType || $proposedInterest || $monthlySaving || $totalInterestSaving || $costOrCredit)
|
Proposed Monthly Payment (P&I)
@if(!is_null($proposedMonthlyPayment))
${{ number_format($proposedMonthlyPayment, 2) }}
@else
N/A
@endif
|
Proposed Terms
@if(!is_null($proposedTermYears))
{{ $proposedTermYears }} yr
@elseif(!is_null($proposedTerm))
{{ $proposedTerm }} months
@else
N/A
@endif
|
|
Proposed Loan Type
@if(in_array($alertType, ['remove_mortgage_insurance']))
{{ $mortgageInfo->loan_program ?? 'N/A' }}
@else
{{ $proposedLoanType ?? 'N/A' }}
@endif
|
Proposed Interest
@if(!is_null($proposedInterest))
${{ number_format($proposedInterest, 2) }}
@else
N/A
@endif
|
|
Monthly Saving
@if(!is_null($monthlySaving))
${{ number_format($monthlySaving, 2) }}
@else
N/A
@endif
|
Total Interest Saving
@if(!is_null($totalInterestSaving))
${{ number_format($totalInterestSaving, 2) }}
@else
N/A
@endif
|
|
Cost/Credit
@if(!is_null($costOrCredit))
${{ number_format(round($costOrCredit), 2) }}
@else
N/A
@endif
|
|
@endif
@endif
{{-- POTENTIAL CASH-OUT block for cash-out alerts --}}
@if($alertType === 'take_cash_out')
POTENTIAL CASH-OUT
@php
$cashOutAmount = $data['potential_cash_out_value'] ?? null;
@endphp
|
Cash Out Amount
|
@if(!is_null($cashOutAmount))
${{ number_format($cashOutAmount, 2) }}
@else
N/A
@endif
|
@endif
|
Borrower Details
{{ $user->name ?? 'N/A' }}
|
Email: {{ $user->email ?? 'N/A' }}
|
Phone: {{ $user->mobile ?? 'N/A' }}
|
|
|