Advantage
Otto Advantage — the household decision engine. Standardized recommendation cards, every dollar of impact predicted and verified, with anti-cards as a feature.
Waiting on you
12
cards
In flight
47
active across book
Predicted YTD
$84.2K
client savings
Approved last 30d
23
by you
Verified delivered
$18.4K
YTD
Filter
RC
OpportunityTIER 2high conf.
Switch to lender-paid MI
Robert Chen · drafted by Otto
+$87/mo
$31,320 lifetime
Why now: FICO 768 + LTV 75% qualifies — 0.125 rate bump pays for itself in 8mo
Borrower-safe language
We can swap your monthly MI for lender-paid — adds 0.125% to rate but kills the $87/mo MI line entirely. Breakeven is 8 months, then it's pure savings.
Compliance gates
RESPA pass
QM safe-harbor
Lender overlay clear
Rule pack v2.14 · Sage · Verdict autonomy: Tier 2 (your approval)
Why this borrower
Heat 84 · payment-pressure signals · spouse identified as joint decision-maker
Why now
Lock holds through Friday · pricing 22bp better than 30d avg · borrower replied 14m ago
Why not later
LLPA cliff at 760 FICO refreshes Thu · post-CTC ineligible for MI swap
Predicted vs observed (similar cohort, 60d)
wk1
wk2
wk3
wk4
wk5
wk6
wk7
wk8
Predicted Observed
Outcome verification
Last 10 cards past their verification horizon94% accuracy · 12 anti-cards honoredAdam Okafor
MI restructure
pred $89
obs $92
38d
Lina Coelho
Refinance trigger captured
pred $412
obs $388
44d
Kayode Olu
Buydown swap
pred $168
obs $174
52d
Marina Greco
Anti-card: skip points
pred $0
obs honored
60d
Tess McLean
Cash-out timing window
pred $2400
obs $2150
90d
Outcome funnel · last 30 days
17% close rate · $18.4K verifiedDrafted74%
47
LO approved91%
35
Sent to borrower75%
32
Borrower viewed50%
24
Accepted67%
12
Funded impact
8