Financial Navigators Showcase

Financial Navigators are licensed individually, on a one, two, or three-year term. Since Navigators are licensed individually, you choose the ones that align with the lending products where qualified leads matter most. The four Navigators are Mortgage Loan, Home Affordability, Home Equity, and Vehicle Loan. You can license any combination of these Navigators on any of the three available term lengths.

Pricing is based on the asset size of your institution, with discounts that increase with the number of Navigators licensed and the length of the term. A single Navigator on a one-year term is a meaningfully different commitment than two or three Navigators on a multi-year term. Please complete the Schedule an Online Meeting form and we can provide a Financial Navigators proposal sized to your institution.

Each Navigator is a single embed, the same way the Calculators work. There is no backend integration required for the borrower-facing experience itself. Implementation typically takes one to two weeks because of the additional setup needed for branding, lead routing, product offer configuration, and any CRM integration you want in place at launch.

The two-week sequence breaks down roughly as follows. The first few days are kickoff and configuration: confirming branding, writing or refining the Navigator's call-to-action copy, and mapping out lead routing rules (covered in the next FAQ). The middle of the second week is integration setup: connecting the Navigator's lead delivery to your CRM or lead management system, configuring webhook or API endpoints if needed, and running test leads end-to-end so your team sees what arrives on their end. The end of the second week is your team's quality-assurance review and the production launch.

When a borrower completes a Navigator, the captured profile is delivered to your team in real time through the channels you configure during implementation. Two delivery paths can run in parallel. The primary path is a structured record sent to your CRM (Salesforce, HubSpot, and the major banking-specific CRMs are supported through direct integration), where the lead appears with the full borrower profile attached. The secondary path is an immediate email notification to the assigned loan officer or central lead desk, so someone is alerted to follow up while the borrower's interest is fresh.

Routing rules determine which loan officer or branch receives each lead. Available configurations include routing by branch ZIP code (the lead goes to the branch nearest the borrower), by product specialty (mortgage leads to mortgage officers, vehicle loans to consumer lending), or to a central lead desk that triages and assigns leads manually. Rules are configured during implementation and can be updated by your team as your branch network or lead-handling process changes.

For institutions without a CRM or with custom systems, additional delivery options include REST API endpoints for direct integration, scheduled CSV export to SFTP, and webhook notifications. The goal is for the lead to land where your team already works, not to require your team to log into a new tool.

Each Navigator presents your actual loan products to the borrower, with your rates, your terms, and your eligibility criteria. The product data lives in a Product Offer Management interface that your team controls directly through an admin dashboard. You configure each product once (rates, terms, fees, qualification rules, required disclosures, and the marketing language presented to the borrower) and the Navigator uses that configuration to populate offers, run comparisons, and produce recommendations.

Product data is editable by your team in real time. When rates change, your team updates the product record and the change is reflected in the borrower experience immediately. There is no Fintactix ticket required, no waiting period, and no separate publishing step. The same is true for adding new products, retiring discontinued ones, or adjusting eligibility criteria as your underwriting policies evolve.

For institutions with a high volume of products or frequent rate changes, bulk import and export are supported via CSV. Geographic service areas are configurable by state, county, or ZIP code, so a product offered only in certain markets is shown only to borrowers in those markets. Branch and loan-officer routing rules (covered in the previous FAQ) can also reference product data, so a Navigator can route a mortgage lead to the officer assigned to that specific product line.

A guided multi-step flow that walks the borrower through the decision in stages. Each step builds on the previous one, with real-time calculations, side-by-side scenario comparisons, and personalized recommendations based on the information they have entered. The experience is closer to a conversation with a knowledgeable loan officer than a static calculator or web form.

Sessions typically run 5 to 15 minutes depending on the Navigator and how much detail the borrower provides. The Mortgage Loan Navigator collects income, assets, employment, and product preferences, then returns a personalized affordability range and product recommendation. The Home Affordability Navigator focuses on what the borrower can afford given their income and existing obligations, then maps that affordability range to specific home price points. The Home Equity Navigator walks through the comparison between a HELOC and a home-equity loan based on the borrower's intended use of funds. The Vehicle Loan Navigator handles trade-ins, credit profiles, and dealer-versus-direct comparisons, then recommends the financing structure that fits.

What lands in your team's hands at the end of a Navigator session is not a half-completed application or a casual inquiry. It is a borrower who has spent meaningful time engaging with the product, provided real information about their situation, and arrived at a recommendation they want to act on. That changes the conversation your loan officer has with them.

Calculators and Navigators serve different moments in the customer's decision process. Calculators are interactive financial tools customers use early in their decision, when they are exploring options and running scenarios. A typical Calculator session is 30 seconds to 2 minutes, focused on a single question like "what would my monthly payment be?" or "how much do I need to save?"

Navigators are guided decision experiences for customers who are further along and ready to commit. A Navigator walks the customer through a multi-step flow that captures prequalification details and routes a qualified lead to your team. A typical Navigator session is 5 to 15 minutes and produces a contact-ready borrower profile rather than just an answer to a calculation.

Calculators and Navigators are designed to work together. Calculators capture early-stage interest across the full product set, and Navigators take over for the products where qualified leads are the priority. The Mortgage Calculators pair with the Mortgage Loan Navigator. The Auto Calculators pair with the Vehicle Loan Navigator. The Home Equity Calculators pair with the Home Equity Navigator. The Calculators do the early engagement work, and the Navigators convert that interest into leads. For more on Calculators, visit the Calculator Showcase.

Yes. Many Fintactix engagements come to us through digital agencies, and we share the economics of those engagements through a formal Partner Program. Agencies that introduce a new prospect can earn a 10% referral fee on the initial license value. Agencies that license Fintactix on behalf of their clients can keep 15% reseller margin on every contract year, including renewals.

The Partner Program also includes deal registration with 90-day protection windows (so agencies that bring a deal don't lose it to a competing introduction), an RFP language pack agencies can use directly in proposals, and ongoing support from our team for partner-led engagements. The structure is designed so agencies can either bring us a prospect and step back (referral) or own the client relationship and economics directly (reseller), depending on what fits each engagement. Learn more about our Digital Agency Partner Programs.