SecurityAgent ONE API integration services (net sheets & closing-cost data)

Deliverables checklist

• OpenAPI 3.1 specification for net sheet, buyer estimate and refinance endpoints
• Protocol & auth flow report (PalmAgent sign-in, token refresh, license/seat checks)
• Runnable reference source in Python and Node.js (FastAPI / Express templates)
• Branded PDF rendering pipeline matching the in-app seller net sheet layout
• Postman collection plus pytest / Jest contract tests
• RESPA / TRID guidance memo so output is positioned as an estimate, not a Loan Estimate
• Data dictionary covering city/county fee fields and the FinCEN alert taxonomy

Engagement options

• Source-code delivery from $300 — runnable code, OpenAPI spec, tests and a one-page operations runbook; pay after delivery upon satisfaction.
• Pay-per-call hosted API — we operate the integration; your CRM or portal pays per net-sheet or estimate call. No upfront fee, ideal for pilots.
• White-label option for title companies that want to embed the calculator inside their own borrower portal.

1. CRM-driven listing presentation

A brokerage built on Top Producer or Lone Wolf TransactionDesk wants every listing record to carry an up-to-date seller net sheet. Our integration receives the listing payload (sale price, mortgage payoff, agent splits, county), calls the SecurityAgent ONE net sheet engine, and returns a JSON object plus a branded PDF stored in the CRM activity timeline. This maps the app's seller proceeds output to an OpenData-style endpoint a CRM can call on every listing change.

2. Lender pre-approval portal

A regional lender wants borrowers to see realistic cash-to-close numbers before they apply. The portal sends purchase price, down payment and county to the buyer estimate API, including the HOA-aware buydown introduced in 2024. The borrower sees three scenarios from Smart Compare. The integration positions output as an estimate — the formal Loan Estimate is still issued under TILA-RESPA Integrated Disclosures.

3. Title company production queue

A title operations team wants to pre-fill production tickets with closing-cost lines and apply FinCEN review flags. We expose the net sheet plus the FinCEN alert payload as a single endpoint, and we emit a webhook when a high-risk transaction is detected. The output feeds production tools like SkySlope or Dotloop with an audit trail attached.

4. Marketing automation & Geo Reports

An agent's marketing stack pulls the Geo Report context (school ratings, internet providers, nearby restaurants) and the content library, then builds a property-specific landing page and a social media post. The integration treats the content library as a CMS, exposes a /v1/content endpoint, and ties asset usage back to the agent's account so analytics roll up at the brokerage level.

5. Refi retention campaign

A servicer's marketing platform wants to identify borrowers whose refinance estimate now improves cash flow given updated fee schedules. A nightly batch job scores the borrower book against the refinance endpoint and the city/county fee dataset, then triggers an email with three Smart Compare scenarios attached as a branded PDF. This is OpenFinance applied to retention rather than acquisition.

Auth: PalmAgent session bridge

// Step 1 — exchange agent credentials for an integration token
POST /api/v1/securityagent-one/auth/token
Content-Type: application/json

{
  "license_key": "PA-LIC-XXXX",
  "agent_email": "agent@example.com",
  "device_id": "srv-int-01"
}

// Response
{
  "access_token": "eyJhbGciOi...",
  "token_type": "Bearer",
  "expires_in": 3600,
  "scopes": ["netsheet.read","buyer.read","content.read"]
}

Seller net sheet endpoint

POST /api/v1/securityagent-one/netsheet
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "county": "AZ-Maricopa",
  "sale_price": 425000,
  "loan_payoff": 268500,
  "listing_commission_pct": 2.5,
  "buyer_agent_compensation": {
    "format": "nar-2024",
    "amount": 8500,
    "source": "seller_concession"
  },
  "hoa": { "monthly": 145, "transfer_fee": 400 },
  "closing_date": "2026-06-12"
}

// Response (truncated)
{
  "estimated_net_to_seller": 132840.55,
  "line_items": [
    {"key":"county_recording_fee","label":"Recording fee","amount":35.00},
    {"key":"title_owner_policy","label":"Owner's title policy","amount":1240.00},
    {"key":"escrow_fee","label":"Escrow fee","amount":540.00}
  ],
  "fincen_alert": {"flag": false, "reason": null},
  "pdf_url": "https://api.openfinance-lab.com/render/netsheet/9a3e...pdf"
}

Buyer estimate with Smart Compare

POST /api/v1/securityagent-one/buyer-estimate
Authorization: Bearer <ACCESS_TOKEN>

{
  "county": "AZ-Pima",
  "purchase_price": 389000,
  "scenarios": [
    {"label":"30Y Fixed","rate":6.625,"term_months":360,"down_pct":5},
    {"label":"30Y Buydown 2-1","rate":6.625,"buydown":"2-1","down_pct":5,"hoa":110},
    {"label":"15Y Fixed","rate":5.875,"term_months":180,"down_pct":10}
  ]
}

FinCEN alert webhook

POST https://your-stack.example.com/hooks/fincen
X-OFL-Signature: sha256=...
Content-Type: application/json

{
  "event": "fincen.alert.raised",
  "transaction_id": "tx_01HZ...",
  "county": "AZ-Maricopa",
  "reason_codes": ["all_cash","entity_buyer","threshold_exceeded"],
  "raised_at": "2026-05-09T17:24:11Z"
}

// Recommended handling: surface inside SkySlope or Dotloop task,
// retry with exponential backoff on non-2xx, log signature for audit.

RESPA, TRID and the CFPB

SecurityAgent ONE outputs are estimates, not regulated disclosures. Net sheets and buyer estimates produced through our integration must be presented to consumers as estimates only — the formal Loan Estimate and Closing Disclosure are issued separately under the TILA-RESPA Integrated Disclosures (TRID) rule, and the underlying RESPA framework lives in Regulation X enforced by the CFPB. We document this boundary in every delivery.

NAR settlement, FinCEN and state law

The buyer agent compensation format that PalmAgent shipped in December 2024 reflects the National Association of Realtors settlement effective 17 August 2024 — our integration preserves the same field semantics so brokerages stay aligned. FinCEN alerts surfaced by the app feed our anti-money-laundering hooks for title companies, and we honor the relevant state real-estate licensing rules (e.g. Arizona Department of Real Estate) for branded marketing output.

Privacy & data minimization

Borrower-identifying data never leaves the customer's environment unless explicitly required. We default to pseudonymous transaction IDs, log access at the field level, support short retention windows, and provide DSAR-style export hooks for state privacy laws (CCPA / CPRA in California, plus the patchwork of state laws taking effect 2024–2026). Webhooks are signed with HMAC-SHA256.

About OpenFinance Lab

We are an independent studio focused on OpenData, OpenFinance and authorized API integration for mobile apps. Our team has built protocol-analysis and API-delivery work for fintech, real-estate tech and consumer apps, and we ship turnkey integration packages — runnable source, OpenAPI specs, tests and a compliance memo — instead of slide decks.

• Real-estate fintech: net sheet, buyer estimate, title and lender integrations
• Mobile protocol analysis on Android and iOS, with audit-friendly documentation
• Python, Node.js and Go reference SDKs plus contract tests
• Two engagement models: source-code delivery from $300 (pay after delivery upon satisfaction) or a hosted pay-per-call API with no upfront cost

Contact

Send the target app name (SecurityAgent ONE), the data you need (e.g. seller net sheet, FinCEN alerts, Geo Report context) and your stack — we will reply with a scoped delivery plan and price.

Contact page

Engagement workflow

1. Scope confirmation — you list the SecurityAgent ONE outputs you need (net sheet, buyer estimate, FinCEN alerts) and the target system (CRM, lender portal, title production).
2. Authorized protocol analysis and API design (2–5 business days).
3. Build, internal validation and PDF template alignment with the in-app branded layout (3–8 business days).
4. Documentation, OpenAPI export, sample requests and contract tests (1–2 business days).
5. First delivery typically inside 5–15 business days; multi-state fee tables and FinCEN webhooks add a short extension.

FAQ

Does SecurityAgent ONE expose a public API?

Which SecurityAgent ONE data can be integrated?

How long does delivery take?

How do you handle RESPA and other compliance requirements?