Rate and payment guide

A product identification system, comprising:

• a products database;
• a pricing database;
• a computing device including a processing unit configured to communicate with the products database and the pricing database;
• and
• computer readable medium encoding instructions that, when executed by the processing unit, cause the processing unit to:
• receive an inquiry type from a customer, the inquiry type selected from:
• refinance a mortgage, improve a property, and use funds from a property;
• present a first interface associated with the inquiry type for display at a customer computing device, the first interface having a first plurality of data fields relating to the inquiry type and a second plurality of data fields for receiving login data from the customer;
• receive login data from the customer using the second plurality of data fields;
• verify the login data;
• responsive to verifying the login data, present a second interface for display at the customer computing device, the second interface including plurality of financial accounts associated with the customer;
• receive a selection of a financial account of the plurality of financial accounts;
• responsive to receiving the selection of the financial account, populate the first plurality of data fields of the first interface with data corresponding to the selected financial account, wherein the data includes:
• a property value;
• a loan amount;
• a current monthly payment;
• and
• a location including a state and a county;
• receive customer input from the customer computing device relating to a desired financial product associated with the inquiry type;
• responsive to receiving the customer input, identify a plurality of financial products stored in the products database, the plurality of financial products being identified for the customer based on the data in the first plurality of data fields;
• provide current pricing information from the pricing database related to the identified financial products using a third interface presented for display at the customer computing device;
• report the identified financial products that meet criteria based on the data in the first plurality of data fields to the customer using the third interface;
• after reporting the identified financial products to the customer:
• receive a selection of at least two financial products of the plurality of financial products from the customer via the third interface;
• and
• receive a comparison request from the customer via the third interface;
• and
• responsive to receiving the comparison request, present a fourth interface for display at the customer computing device, the fourth interface including a chart or plot comparing the customer-selected at least two financial products and a suggested combination product, wherein the suggested combination product is represented by a pairing of one of the customer-selected at least two financial products and a suggested financial product that has not been selected by the customer.

A computer-implemented method for selecting one or more financial products, the method comprising:

• receiving an inquiry type from a customer, the inquiry type selected from:
• refinance a mortgage, including pay off a mortgage sooner, reduce a current interest rate, lower a monthly payment, and convert to a fixed rate;
• improve a property, including repair a property and renovate a property;
• and
• use funds from a property, including finance a major purchase and finance everyday purchases;
• presenting a first interface associated with the inquiry type for display at a customer computing device, the first interface having a first plurality of data fields relating to the inquiry type and a second plurality of data fields for receiving login data from the customer;
• receiving login data from the customer using the second plurality of data fields;
• verifying the login data;
• responsive to verifying the login data, presenting a second interface for display at the customer computing device, the second interface including a plurality of financial accounts associated with the customer;
• receiving a selection of a financial account of the plurality of financial accounts;
• responsive to receiving the selection of the financial account, populating the first plurality of data fields of the first interface with data corresponding to the selected financial account, wherein the data includes:
• a property value, a location including a state and a county, and a current monthly payment;
• receiving customer input from the customer computing device relating to a desired financial product associated with the inquiry type;
• responsive to receiving the customer input, determining a plurality of financial products available to the customer using the data in the first plurality of data fields, wherein the plurality of financial products reflect current pricing information from a pricing database;
• providing the plurality of financial products to the customer using a third interface presented for display at the customer computing device;
• after providing the plurality of financial products to the customer:
• receiving a selection of at least two financial products of the plurality of financial products from the customer via the third interface;
• and
• receiving a comparison request from the customer via the third interface;
• and
• responsive to receiving the comparison request, presenting a fourth interface for display at the customer computing device, the fourth interface including a chart or plot comparing the customer-selected at least two financial products and a suggested combination product, wherein the suggested combination product is represented by a pairing of one of the customer-selected at least two financial products and a suggested financial product that has not been selected by the customer.