US 12,456,147 B1
Integrated property and lending search and/or transaction
Narendra Nath, Hillsborough, CA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Feb. 24, 2023, as Appl. No. 18/174,100.
Claims priority of provisional application 63/269,501, filed on Mar. 17, 2022.
Int. Cl. G06Q 40/03 (2023.01); G06Q 50/16 (2012.01)
CPC G06Q 40/03 (2023.01) [G06Q 50/16 (2013.01)] 14 Claims
OG exemplary drawing
 
1. A system for generating an integrated property and lending search experience, the system comprising:
at least one processor; and
memory encoding instructions which, when executed by the at least one processor, cause the system to:
determine current financial information associated with a buyer by automatically accessing one or more financial aspects of a current financial condition of the buyer;
generate an integrated property and lending user interface for display on a user device of the buyer, the integrated property and lending user interface including a buyer account section and a search parameter section, wherein:
the buyer account section includes the current financial information associated with the buyer; and
the search parameter section includes home parameters and loan parameters;
automatically prepopulate at least a first portion of the loan parameters based on the current financial information, the first portion of the loan parameters including a down payment amount and/or a monthly payment amount based upon the current financial information about the buyer including an existing mortgage on an existing home, wherein automatically prepopulating at least the first portion of the loan parameters comprises to:
analyze the existing mortgage of the buyer to determine current down payment and monthly payment amounts; and
set the first portion of the loan parameters based on the current down payment and monthly payment amounts;
automatically analyze current home physical information associated with the existing home currently owned by the buyer to determine physical aspects of a new home, wherein the physical aspects include at least one of square footage, number of bedrooms, and number of bathrooms;
automatically prepopulate at least a second portion of the home parameters based on the current financial information, the second portion of the home parameters including an increase in a size over the existing home, wherein automatically prepopulating at least the second portion of the home parameters comprises to:
determine that the buyer wants an increase in at least one of the physical aspects in the new home compared to the existing home currently owned by the buyer; and
set the second portion of the home parameters based on the determined increase;
receive, at the integrated property and lending user interface, at least a portion of the home parameters and/or the loan parameters, wherein the integrated property and lending user interface is configured to allow for modification of the first portion and the second portion;
search for homes meeting the home parameters;
search for loans meeting the loan parameters, the loan parameters including the down payment amount and/or the monthly payment amount; and
display information about one or more homes meeting both the home parameters and the loan parameters on the integrated property and lending user interface, wherein the integrated property and lending user interface is configured to:
provide a filter control section with controls programmed to allow for controlling filtering of the one or more homes;
generate a selected home section including information about a selected home of the one or more homes; and
generate an alternative home section including information about alternative homes of the one or more homes, wherein the alternative home section is programmed to allow for scrolling between the alternative homes.