BayAreaAgent ONE API integration & net sheet data export

Deliverables checklist

• API specification (OpenAPI / Swagger) for login, net sheet, buyer estimate, rate-table and webhook endpoints
• Protocol & authorization report (token flow, session refresh, request signing, sponsor/branding parameters)
• Runnable source for the net sheet and buyer estimate APIs (Python and Node.js reference clients)
• Automated tests, sample payloads, and a Postman / curl collection
• Compliance guidance: RESPA/TRID disclosure context, state title-rate filings, NAR 2024 compensation fields, FinCEN notes, CCPA/GDPR data handling
• Optional hosted endpoint with metering for the pay-per-call model

API example: seller net sheet (pseudocode)

// Generate a seller net sheet (pseudocode)
POST /api/v1/bayareaagent/net-sheet
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  "county": "Alameda",
  "state": "CA",
  "sale_price": 1295000,
  "existing_loan_payoff": 612000,
  "listing_commission_pct": 2.5,
  "buyer_agent_compensation": { "type": "percent", "value": 2.5 },
  "owner_title_policy": true,
  "seller_credits": 5000
}

200 OK
{
  "net_sheet_id": "ns_8K2v...",
  "title_premium": 3144.00,
  "escrow_fee": 1995.00,
  "county_transfer_tax": 1942.50,
  "recording_fees": 95.00,
  "prorations": { "property_tax": -2210.13 },
  "total_costs": 51190.00,
  "estimated_net_proceeds": 631810.00,
  "pdf_url": "https://.../ns_8K2v.pdf"
}

Engagement models

• Source code delivery from $300 — you receive runnable API source and full documentation; pay after delivery once it works for you.
• Pay-per-call API — use our hosted endpoints and pay only for the calls you make, no upfront fee; good for teams that want usage-based pricing.
• Both models include a scoping call, the protocol report, and post-delivery fixes for the agreed scope.

1 · CRM / transaction-management sync

Context: an agent generates a seller net sheet in BayAreaAgent ONE and wants it attached to the deal record in Dotloop, SkySlope or a brokerage CRM without re-keying.

Data / API: POST /net-sheet returns the itemized JSON plus pdf_url; a net_sheet.created webhook pushes it to the CRM connector.

OpenData mapping: the app becomes a queryable source of transaction-level closing-cost records; the CRM is the consumer in a classic producer → API gateway → consumer flow.

2 · Lender pre-qualification & LOS hand-off

Context: a loan officer needs the buyer's total cash to close and prepaid items at pre-qual, matching the estimate the agent already showed the client.

Data / API: POST /buyer-estimate with purchase price, down payment and loan terms; the response feeds the LOS (e.g. an Encompass or Blend intake) and a Loan Estimate worksheet.

OpenFinance mapping: consented sharing of a consumer's prospective-transaction figures between an app and a regulated lending workflow — the same consent-and-scope model OpenBanking uses for account data.

3 · Title back-office reconciliation

Context: a title/escrow operation wants to compare the premium and escrow fee quoted in the app against the figures that land on the final Closing Disclosure, and flag variances.

Data / API: GET /rates for the county band used, plus the stored net sheet; a nightly job diffs quoted vs. actual and writes a variance report to Qualia / ResWare / SoftPro.

OpenData mapping: rate tables and quotes become reference data that an internal data warehouse ingests for QA and pricing governance.

4 · Brokerage analytics & compliance archive

Context: a brokerage wants average net proceeds, average commission and deal volume by county across all agents, and an immutable record of every estimate shown to a client.

Data / API: a batch export endpoint streams net sheets, buyer estimates and buyer-compensation fields as CSV/JSON; each record carries a consent flag and timestamp for RESPA and state audit, with FinCEN-style flags on non-financed entity purchases.

OpenFinance mapping: aggregation of transaction artifacts into a governed analytics layer with retention and consent metadata — the audit backbone regulators expect.

1 · Token-based login

POST /api/v1/bayareaagent/auth/token
Content-Type: application/json

{
  "client_id": "of_lab_demo",
  "grant_type": "account_credentials",
  "account_ref": "agent@brokerage.com",
  "sponsor_code": "BAYAREA"
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "token_type": "Bearer",
  "expires_in": 3600,
  "refresh_token": "rt_9f2a...",
  "scope": "net_sheet buyer_estimate rates:read"
}

2 · County rate-table read

GET /api/v1/bayareaagent/rates
  ?state=CA&county=SantaClara
  &price=1450000&policy=owner
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "county": "Santa Clara",
  "policy": "owner",
  "premium": 3486.00,
  "rate_band": "1,400,001-1,500,000",
  "escrow_fee_split": "buyer_seller_50_50",
  "transfer_tax": { "county_per_1000": 1.10 },
  "recording_fee_flat": 95.00,
  "effective_date": "2025-01-01",
  "source": "filed rate schedule"
}

3 · Webhook receiver (Node.js)

app.post('/hooks/bayareaagent', (req, res) => {
  const sig = req.header('X-Signature');
  if (!verifyHmac(req.rawBody, sig, SECRET)) {
    return res.status(401).json({ error: 'bad_signature' });
  }
  const e = req.body;            // net_sheet.created | buyer_estimate.created
  try {
    if (e.type === 'net_sheet.created') {
      crm.attachDocument(e.data.deal_ref, e.data.pdf_url, e.data);
    }
    return res.status(200).json({ ok: true });
  } catch (err) {
    // retry-safe: return 5xx so the sender re-delivers
    return res.status(503).json({ error: 'downstream_unavailable' });
  }
});

Compliance & privacy

Closing-cost data is consumer-financial and jurisdiction-specific, so the deliverables are framed against the rules that actually govern it in the United States:

• RESPA & TRID — net sheets and buyer estimates are pre-disclosure tools; we keep wording and field mapping consistent with the Loan Estimate / Closing Disclosure framework administered by the Consumer Financial Protection Bureau.
• State title-insurance rate regulation — title premiums are filed with state insurance departments (in California, the Department of Insurance); rate-table syncs are tagged with effective dates and source.
• 2024 NAR settlement — buyer-agent compensation became separately negotiated and written-agreement-based as of August 17, 2024; the buyer-compensation fields reflect that format. See the NAR settlement FAQs.
• FinCEN residential real estate guidance — the app surfaces FinCEN alerts for non-financed entity/trust purchases; note the FinCEN Residential Real Estate Reporting Rule was vacated by a federal court in March 2026, so we keep flagging informational rather than a filing obligation and track the status.
• Privacy — CCPA/CPRA for California consumers and GDPR-style minimization for any EU-touching data: store only the fields needed, log consent, and support deletion. We never process accounts without the owner's authorization.

Typical modules

• Account login and token refresh with sponsor/branding scoping
• Seller net sheet generation (JSON + branded PDF)
• Buyer cash / finance estimate generation
• County rate-table and fee-schedule reads
• Mortgage, buydown (HOA-aware), affordability and multiple-offer calculators
• Buyer-agent compensation fields (2024 NAR format)
• Webhooks, batch export, and a consent/audit log

• PalmAgent ONE — the generic edition of the same engine BayAreaAgent ONE is built on; identical net sheet, buyer estimate and calculator data, branded for different markets. Teams migrating between regional editions usually want one schema for all of them.
• TitleCapture — a branded title-quote platform with multiple calculators in one app; holds rate tables, fee schedules and quote records that overlap heavily with the net sheet data above.
• Net Sheet Calc — a desktop and mobile net-sheet tool covering seller net sheet, buyer-finance, buyer-cash and refinance scenarios; the kind of source you might consolidate alongside BayAreaAgent ONE.
• SkySlope (net sheet / agent calculator) — pairs transaction-management compliance with net sheets, closing-cost estimates and payment scenarios; users frequently want the estimate to land directly in the SkySlope deal file.

• Qualia Connect — a shared closing platform for agents, title agents and lenders; consumes net sheet and fee data as part of the order, a natural downstream target.
• Dotloop — transaction management with forms, e-signatures and compliance "loops"; a common destination for the generated net sheet PDF and its structured fields.
• CloseSimple — closing-status and communication software for title and escrow; integrates with title production systems and benefits from consistent quoted-fee data.
• First American "FIRST" closing cost app — an underwriter-provided mobile calculator (title premium rates, mortgage payments, buyer and seller estimates); part of the same comparison set agents browse.
• Old Republic Title & Stewart Title rate calculators — underwriter rate-quote tools whose premium tables map onto the same county-band structure used here.
• MetroClose and TitleTap — a calculator app and a title-agency web platform respectively; TitleTap already publishes a PalmAgent integration, which is the kind of partner hook our wrapper complements.

About us

We are an independent technical studio focused on app interface integration and authorized API work. Our engineers come from fintech, payments, title/escrow software, mobile, and cloud backgrounds, and we have shipped protocol-analysis and integration projects across banking, e-commerce, travel, and proptech.

• Real estate settlement, lending, and payments integrations
• Protocol analysis, REST/GraphQL wrappers, and OpenAPI documentation
• Python / Node.js / Go reference clients and test harnesses
• Full pipeline: scoping → protocol analysis → build → validation → compliance notes
• Source code delivery from $300 — runnable API source and full docs; pay after delivery upon satisfaction
• Pay-per-call API billing — hosted endpoints, pay only per call, no upfront cost

Contact

Send us the target app and your requirements (which data, which counties or brands, which downstream system) and we will come back with scope, timeline and price.

Contact page

For questions about the original app itself, PalmAgent's own support is at support@palmagent.com — we are not affiliated with PalmAgent or any title underwriter.

Engagement workflow

1. Scope confirmation — which data and endpoints (login, net sheet, buyer estimate, rates, webhooks), which counties/brands, which downstream system.
2. Authorized protocol analysis and API design — 2–5 business days, complexity-dependent.
3. Build and internal validation — 3–8 business days.
4. Docs, samples, and test cases — 1–2 business days.
5. Typical first delivery: 5–15 business days; third-party approvals or wide multi-county scopes may extend it.

FAQ

What do you need from me to start a BayAreaAgent ONE integration?

Is there an official BayAreaAgent ONE public API?

How long does delivery take?

How do you handle compliance and privacy?