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Webhook Payloads

New Profile Payload

				
					{
    "type": "profile",
    "version": "1.0",
    "customerId": "CO12345",
    "ownerCustomerId": "23",
    "firstName": "Ben",
    "lastName": "Salami",
    "email": "test@bendigi.com",
    "phone": "416-555-5555",
    "localeIdentifier": "en",
    "defaultLocation":
    {
        "countryCode": "CA",
        "province": "ON",
        "city": "Toronto",
        "longitude": "-79.38459",
        "latitude": "43.80549"
    },
    "createdAt": "2020-07-07T21:40:21.172Z"
}
				
			

PreQual Schema

				
					{
    "type": "prequalification",
    "version": "1.0",
    "scenarioId": "3A3E9126-94F3-4D41-BAC0-B93D1BC16842",
    "scenarioTitle": "Sally",
    "contact": {...},
    "subjectProperty":{...},
    "mortgage":{...}, // ommited on Realtor apps
    "applicant":{...},
    "closingCosts":{...},
    "qualificationDetails":{...}
}
				
			

Full PREQ Payload

Here is a full-featured PREQ payload. 

It contains qualification settings, the applicant, the subject property information, the estimated mortgage details and closing costs.

Within the applicant section, you’ll find income, liabilities, and non-subject property info with expenses and debts for each non-subject property. Our example applicant has two non-subject properties.

Within the subject property, you get the max purchase price, total monthly cost, rental income, down payments and the estimate home expenses (taxes, condo fees and heat)

When you go through the data once, you will quickly realize how awesomely organized it is.

Also, each PREQ has a unique scenarioId. You can use it to easily identify if this is a brand new scenario or an update of an existing scenario.

				
					{
    "type": "prequalification",
    "version": "1.0",
    "scenarioId": "3A3E9126-94F3-4D41-BAC0-B93D1BC16842",
    "scenarioTitle": "Sally",
    "contact":
    {
        "customerId": "CO36752",
        "firstName": "Ben",
        "lastName": "Salami",
        "email": "consumer@bendigi.com",
        "phone": "(416) 720-3044"
    },
    "qualificationDetails":
    {
        "actualGDS": 0.2987218298464467,
        "actualTDS": 0.4399999139528366,
        "ltv": 0.676530142671605,
        "qualifyingRate": 7.29,
        "bocRate": 5.25,
        "maxGDS": 0.39,
        "maxTDS": 0.44,
        "excludeTaxesAndHeatFromTDS": false,
        "assessmentFactor": 1,
        "millRate": 0.599704,
        "millRateCity": "Toronto",
        "millRateProvince": "ON",
        "subjectRentalRule":
        {
            "rentalOffsetMode": "addBack",
            "rentalOffset": 0.8,
            "condoFeesRate": 0.5
        }
    },
    "subjectProperty":
    {
        "purchasePrice": 1655019.6622819835,
        "totalMonthlyCost": 5647.920417020556,
        "propertyType": "house",
        "brandNewHome": false,
        "location":
        {
            "province": "Ontario",
            "city": "Toronto",
            "municipality": "toronto",
            "fullAddress": "Toronto, ON, Canada",
            "placeId": "ChIJpTvG15DL1IkRd8S0KlBVNTI"
        },
        "occupancy": "ownerOccupiedRental",
        "retnalIncome":
        {
            "amount": 1500,
            "type": "rentalincome",
            "frequency": "monthly"
        },
        "downPayments":
        [
            {
                "amount": 535348.9740340415,
                "type": "personalcash"
            }
        ],
        "expenses":
        [
            {
                "type": "propertytax",
                "payment": 9925.219115491547,
                "frequency": "annual"
            },
            {
                "type": "condominiumfee",
                "payment": 0,
                "frequency": "monthly"
            },
            {
                "type": "heat",
                "payment": 150,
                "frequency": "monthly"
            }
        ]
    },
    "mortgage":
    {
        "balance": 1119670.688247942,
        "insurance": 0,
        "payment": 6170.818824062927,
        "frequency": "monthly",
        "amortizationMonth": 300,
        "rate":
        {
            "rateId": "f466b2b9-5a96-ec11-8c7a-0022486dd03b:2",
            "rate": 5.29,
            "rateType": "Fixed",
            "termMonth": 60,
            "compoundingPeriod": "semi-annual",
            "amortizationMonth": 360
        }
    },
    "applicant":
    {
        "totalAvailableFunds": 600000,
        "firstTimeBuyer": false,
        "foreignBuyer": false,
        "employmentType": "employed",
        "creditScoreRange": "800 - 900",
        "incomes":
        [
            {
                "amount": 350000,
                "type": "employmentincome",
                "frequency": "annual"
            }
        ],
        "liabilities":
        [
            {
                "debtType": "creditCard",
                "name": "Visa",
                "enabled": true,
                "balance": 5000,
                "limit": 10000
            },
            {
                "debtType": "carLoan",
                "name": "BMW",
                "enabled": true,
                "balance": 0,
                "payment": 1200,
                "frequency": "monthly"
            },
            {
                "debtType": "lineOfCredit",
                "name": "LOC",
                "enabled": true,
                "balance": 25000,
                "limit": 60000
            },
            {
                "debtType": "personalLoan",
                "name": "Personal",
                "enabled": true,
                "balance": 40000
            },
            {
                "debtType": "studentLoan",
                "name": "OSAP",
                "enabled": true,
                "balance": 25000,
                "payment": 250,
                "frequency": "monthly"
            },
            {
                "debtType": "childSupport",
                "name": "My Baby",
                "enabled": true,
                "balance": 0,
                "payment": 500,
                "frequency": "monthly"
            }
        ],
        "nonSubjectProperties":
        [
            {
                "propertyValue": 1000000,
                "location":
                {
                    "province": "Ontario",
                    "city": "Toronto",
                    "municipality": "toronto",
                    "fullAddress": "Toronto, ON, Canada",
                    "placeId": "ChIJpTvG15DL1IkRd8S0KlBVNTI"
                },
                "propertyType": "house",
                "occupancy": "ownerOccupied",
                "futureOccupancy": "nonOwnerOccupiedRental",
                "retnalIncome":
                {
                    "amount": 3600,
                    "type": "rentalincome",
                    "frequency": "monthly"
                },
                "debts":
                [
                    {
                        "debtType": "mortgage",
                        "name": "Mortgage",
                        "enabled": true,
                        "balance": 600000,
                        "payment": 3200,
                        "frequency": "monthly",
                        "amortizationMonth": 272.37769868279844,
                        "rate":
                        {
                            "rate": 3.54,
                            "rateType": "Fixed",
                            "termMonth": 60,
                            "compoundingPeriod": "semi-annual",
                            "amortizationMonth": 0
                        }
                    }
                ],
                "expenses":
                [
                    {
                        "type": "water",
                        "payment": 60,
                        "frequency": "monthly"
                    },
                    {
                        "type": "hydro",
                        "payment": 125,
                        "frequency": "monthly"
                    },
                    {
                        "type": "insurance",
                        "payment": 100,
                        "frequency": "monthly"
                    },
                    {
                        "type": "management",
                        "payment": 0,
                        "frequency": "monthly"
                    },
                    {
                        "type": "maintenance",
                        "payment": 0,
                        "frequency": "monthly"
                    },
                    {
                        "type": "propertytax",
                        "payment": 6000,
                        "frequency": "annual"
                    },
                    {
                        "type": "condominiumfee",
                        "payment": 0,
                        "frequency": "monthly"
                    },
                    {
                        "type": "heat",
                        "payment": 150,
                        "frequency": "monthly"
                    }
                ]
            },
            {
                "propertyValue": 800000,
                "location":
                {
                    "province": "Ontario",
                    "city": "Mississauga",
                    "municipality": "N/A",
                    "fullAddress": "Mississauga, ON, Canada",
                    "placeId": "ChIJtwVr559GK4gR22ZZ175sFAM"
                },
                "propertyType": "house",
                "occupancy": "nonOwnerOccupiedRental",
                "futureOccupancy": "nonOwnerOccupiedRental",
                "retnalIncome":
                {
                    "amount": 2500,
                    "type": "rentalincome",
                    "frequency": "monthly"
                },
                "debts":
                [
                    {
                        "debtType": "mortgage",
                        "name": "Mortgage",
                        "enabled": true,
                        "balance": 300000,
                        "payment": 2500,
                        "frequency": "monthly",
                        "amortizationMonth": 129.69040001300272,
                        "rate":
                        {
                            "rate": 1.45,
                            "rateType": "Fixed",
                            "termMonth": 60,
                            "compoundingPeriod": "semi-annual",
                            "amortizationMonth": 0
                        }
                    }
                ],
                "expenses":
                [
                    {
                        "type": "insurance",
                        "payment": 150,
                        "frequency": "monthly"
                    },
                    {
                        "type": "maintenance",
                        "payment": 250,
                        "frequency": "monthly"
                    },
                    {
                        "type": "management",
                        "payment": 300,
                        "frequency": "monthly"
                    },
                    {
                        "type": "water",
                        "payment": 0,
                        "frequency": "monthly"
                    },
                    {
                        "type": "hydro",
                        "payment": 0,
                        "frequency": "monthly"
                    },
                    {
                        "type": "propertytax",
                        "payment": 3600,
                        "frequency": "annual"
                    },
                    {
                        "type": "condominiumfee",
                        "payment": 0,
                        "frequency": "monthly"
                    },
                    {
                        "type": "heat",
                        "payment": 0,
                        "frequency": "monthly"
                    }
                ]
            }
        ]
    },
    "closingCosts":
    {
        "closingCostsFactoredIn": true,
        "closingCostTotal": 64651,
        "closingCostEstimationTechnique": "actualCost",
        "closingCostBreakdown":
        [
            {
                "type": "landtransfer",
                "payment": 59150.786491279345,
                "frequency": "one-time"
            },
            {
                "type": "appraisal",
                "payment": 500,
                "frequency": "one-time"
            },
            {
                "type": "homeinspection",
                "payment": 300,
                "frequency": "one-time"
            },
            {
                "type": "movingcosts",
                "payment": 1200,
                "frequency": "one-time"
            },
            {
                "type": "closingcostadjustments",
                "payment": 2000,
                "frequency": "one-time"
            },
            {
                "type": "legalfees",
                "payment": 1500,
                "frequency": "one-time"
            }
        ]
    }
}
				
			

Pre-Approval Leads (PREQ Flow)

				
					{
    "type": "lead",
    "version": "1.0",
    "leadId": "QfMDqwfeRi",
    "leadType": "lead_preq",
    "contact":
    {
        "customerId": "CO36752",
        "firstName": "Ben",
        "lastName": "Salami",
        "email": "consumer@bendigi.com",
        "phone": "(416) 720-3044",
        "preferredContactMethods":
        [
            "text",
            "phone",
            "email"
        ],
        "preferredContactLanguages":
        [
            "en"
        ],
        "userLocation":
        {
            "province": "ON",
            "city": "Toronto"
        }
    },
    "request":
    {
        "clientNotes": "Client notes goes here",
        "mortgageGoal": "preapproval",
        "propertyValue": 807987.4236961136,
        "propertyLocation":
        {
            "province": "Ontario",
            "city": "Toronto"
        }
    },
    "scenarioData":
    {
        // follows the PREQ scenario structure
    },
    "submittedAt": "2023-01-09T21:00:13.901Z"
}

				
			

Purchase Leads (Contact Request Flow)

				
					{
    "type": "lead",
    "version": "1.0",
    "leadId": "1UYUAK69Fd",
    "leadType": "lead_contact",
    "contact":
    {
        "customerId": "CO36752",
        "firstName": "Ben",
        "lastName": "Salami",
        "email": "consumer@bendigi.com",
        "phone": "(416) 720-3044",
        "preferredContactMethods":
        [
            "text",
            "phone",
            "email"
        ],
        "preferredContactLanguages":
        [
            "en"
        ],
        "userLocation":
        {
            "province": "ON",
            "city": "Toronto"
        }
    },
    "request":
    {
        "clientNotes": "Client notes goes here ",
        "mortgageGoal": "purchase",
        "purchaseStatus": "propertyFound",
        "propertyValue": 1300000,
        "downPayment": 300000,
        "buildingType": "house",
        "propertyLocation":
        {
            "province": "Ontario",
            "city": "North York",
            "countryCode": "CA",
            "latitude": "43.7607114",
            "longitude": "-79.4106385"
        }
    },
    "scenarioData": { // Included if attached },
    "submittedAt": "2023-01-09T20:59:26.970Z"
}
				
			

Refinance Leads (Contact Request Flow)

				
					{
    "type": "lead",
    "version": "1.0",
    "leadId": "1H8x0CUNeN",
    "leadType": "lead_contact",
    "contact":
    {
        "customerId": "CO36752",
        "firstName": "Ben",
        "lastName": "Salami",
        "email": "consumer@bendigi.com",
        "phone": "(416) 720-3044",
        "preferredContactMethods": 
        [
            "text",
            "phone",
            "email"
        ],
        "preferredContactLanguages": 
        [
            "en"
        ],
        "userLocation":
        {
            "province": "ON",
            "city": "Toronto"
        }
    },
    "request":
    {
        "clientNotes": "Client noted goes here",
        "mortgageGoal": "refinance",
        "propertyValue": 1200000,
        "mortgageBalance": 250000,
        "maturityDate": "2022-12-29T21:06:00.000Z",
        "propertyLocation":
        {
            "countryCode": "Canada",
            "province": "Ontario",
            "city": "Toronto",
            "longitude": "-79.3831843",
            "latitude": "43.653226"
        }
    },
    "scenarioData": 
    { 
        // Included if attached 
    },
    "submittedAt": "2022-12-28T21:07:03.895Z"
}
				
			

Renew/Transfer Leads (Contact Request Flow)

				
					{
    "type": "lead",
    "version": "1.0",
    "leadId": "Ykq77SUvC6",
    "leadType": "lead_contact",
    "contact":
    {
        "customerId": "CO36752",
        "firstName": "Ben",
        "lastName": "Salami",
        "email": "consumer@bendigi.com",
        "phone": "(416) 720-3044",
        "preferredContactMethods": 
        [
        	"text",
        	"phone",
        	"email"
        ],
        "preferredContactLanguages": 
        [
        	"en"
        ],
        "userLocation":
        {
            "province": "ON",
            "city": "Toronto"
        }
    },
    "request":
    {
        "clientNotes": "Client noted goes here",
        "mortgageGoal": "renew",
        "mortgageBalance": 850000,
        "existingMortgageRate":
        {
            "rate": 3.0
        },
        "maturityDate": "2022-12-31T21:08:00.000Z",
        "propertyLocation":
        {
            "countryCode": "Canada",
            "province": "Ontario",
            "city": "Toronto",
            "longitude": "-79.3831843",
            "latitude": "43.653226"
        }
    },
    "submittedAt": "2022-12-28T21:09:44.735Z"
}
				
			

PREQ Lead

				
					{
    "type": "lead",
    "version": "1.0",
    "leadId": "QfMDqwfeRi",
    "leadType": "lead_preq",
    "contact":
    {
        "customerId": "CO36752",
        "firstName": "Ben",
        "lastName": "Salami",
        "email": "consumer@bendigi.com",
        "phone": "(416) 720-3044",
        "preferredContactMethods":
        [
            "text",
            "phone",
            "email"
        ],
        "preferredContactLanguages":
        [
            "en"
        ],
        "userLocation":
        {
            "province": "ON",
            "city": "Toronto"
        }
    },
    "request":
    {
        "clientNotes": "Client notes goes here",
        "mortgageGoal": "preapproval",
        "propertyValue": 807987.4236961136,
        "propertyLocation":
        {
            "province": "Ontario",
            "city": "Toronto"
        }
    },
    "scenarioData":
    {
        // follows the PREQ scenario structure
    },
    "submittedAt": "2023-01-09T21:00:13.901Z"
}

				
			

Other Leads (Contact Request Flow)

				
					{
    "type": "lead",
    "version": "1.0",
    "leadId": "BR9sH8rptn",
    "leadType": "lead_contact",
    "contact":
    {
        "customerId": "CO36752",
        "firstName": "Ben",
        "lastName": "Salami",
        "email": "consumer@bendigi.com",
        "phone": "(416) 720-3044",
        "preferredContactMethods": 
        [
            "text",
            "phone",
            "email"
        ],
        "preferredContactLanguages": 
        [
            "en"
        ],
        "userLocation":
        {
            "province": "ON",
            "city": "Toronto"
        }
    },
    "request":
    {
        "clientNotes": "Client Notes goes here and it’s a least 30 characters long"
        "mortgageGoal": "other",
    },
    "submittedAt": "2022-12-28T21:30:46.746Z"
}
				
			

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Tons of positive feedback
Cody Rowe
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I’m getting tons of positive feedback – not to mention new clients – by getting this app in the hands of my referral partners.
Very helpful!
TanyaBangay
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As a Realtor, I frequently use this app as a quick reference to give my clients an idea of what expenses will be.
Best mortgage app!!
dremanage416
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I use this app at least one a day. Text it to my clients to pre-fill the applications makes my life easier.
Great App
Bosley Jos ,
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I'm a réaltor in downtown Toronto and I make my clients download this app. It allows us to compare costs of various properties easily and accurately. Keep up the good work!
Favourite App for business
cvwmwaw
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As a real estate Broker this App is amazing for my clients. It helps them play around with different purchase price scenarios, calculate closing costs & down payments etc....it also helps me run quick numbers for investor clients on the spot. The Pro is worth it all day long! The support staff is great and very responsive.
I love this app!!
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I have been a mortgage broker for 12 years and this is the best mortgage calculator app that I have ever used. I am very excited to share it with both my clients and referral sources! Thank you!!
Awesome app.
Hoben2011
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I cannot live without this app. Immensely useful for qualifying buyers on the spot and show my expertise
Best Apps for rental property in Canada
lildavesflava
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How was it even possible to be an investor before this one came out. Best app ever made. Take in consideration all the subtlety of the Canadian market
Great real-estate investing app
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As a new real estate investor, this app is my number one go-to resource for quickly comparing and evaluating the properties I'm looking at. Great interface, and easy to use.
This App Rocks
KrispyLovesRealEstate
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I'm a Real Estate Sales Professional in Ontario- this app covers it all! Land transfer tax calculations, mortgage insurance calculations, etc. They thought of everything when they developed this app!
Indispensable
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I'm able to quote clients accurate numbers on mortgages including CMHC fees in seconds.
Best Mortgage App
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