Mortgage Maker vs MBS Highway: Market Data Two Ways

Mortgage Maker vs MBS Highway is a choice between buying market data on its own and getting it inside the tool that builds the borrower’s payment. As of October 2026, MBS Highway’s market-data product is $199.95 a month. Mortgage Maker’s home screen shows the live UMBS 30-year bond and the 10-year Treasury, and the app adds lock and float calls, all in one $99 a month plan.

Mortgage Maker turns a borrower’s text into a side-by-side loan comparison they open from one link. Start your 14-day free trial or see pricing.

A Thursday text, answered two ways

It is Thursday at 1:15 and a buyer in Oceanside, writing offers this weekend, texts a photo of the TV in her office break room. The headline says mortgage rates fell. Under it, four words: does that help me?

One answer is a market lecture. You tell her what moved the bond this week, what the 10-year Treasury did, and why lenders repriced. Almost none of it fits on a lunch break.

Another answer is her payment. You enter today’s pricing, rebuild her comparison and send one link, so she sees the move in her own monthly number with taxes, HOA and insurance already in. She decides what that change is worth to her.

That second answer is what Mortgage Maker is built for.

MBS Highway: market data sold on its own

As of October 2026, MBS Highway’s market-data product costs $199.95 a month. Its Home Report is a separate $169 a month, and the ListReports agent-marketing bundle is a separate product again. Add the first two and the bill is $368.95 a month.

Mortgage Maker: the market and the payment in one app

Open Mortgage Maker and the home screen shows the live UMBS 30-year mortgage bond and the 10-year Treasury, with a daily plain-English market note. Lock and float calls and the scenario builder live in the same app.

Building takes a sentence. Type “625k purchase, 20 percent down, compare a 30 fixed and a 15,” or paste the buyer’s text. Every option lands side by side with taxes, HOA, an insurance estimate, closing costs and cash to close. Rate ranges are one toggle, so she sees a range instead of a single number that sounds like a promise. She gets one link. You get a ping when she opens it and when she stars an option.

Rick Guerrero at Neighborhood Loans said it this way: “It helps explain the mortgage payment and the Total Closing Costs. My Realtors love it!” An ARM column can sit right beside the fixed, the way I would explain an ARM on one screen.

Lock or float, with the call in front of you

When she is ready to write the offer, the next text is about the lock. Locking today means she gives up any further drop. Floating means she carries the risk of a rise before closing. That choice belongs to her, and your job is to lay it out in dollars.

The bond, the 10-year and the lock or float call live in the same app as the scenario, so the market read and the payment math happen in one sitting. For the exact words when the bond jumps, use the script for what to say when the bond moves.

Side by side

Pay for the borrower conversation

On my own files, the payment question comes up far more often than the why question. Borrowers rarely ask what the 10-year did. They ask what it does to the number they pay on the first of the month. J.D. Power’s 2025 U.S. Mortgage Origination Satisfaction Study, released November 12, 2025, shows why that answer matters. Customers who gave their lender top scores for useful guidance were 2.3 times more likely to say they “definitely will” use that lender again.

I would put the money where the conversation happens. If the market read takes two minutes of your morning and the borrower call takes an hour, pay for the hour. Mortgage Maker covers both for $99.

Compared on monthly plans at October 2026 prices, Mortgage Maker costs $100.95 a month less than the MBS Highway market-data product, or $1,211.40 a year. On the $950 annual plan, the gap grows to $1,449.40 a year. You keep that money and add the comparison builder, property data, agent-issued approval letters and borrower pings in the same plan. Our 2026 presentation software roundup prices the rest of the stack.

FAQ

What is the difference between Mortgage Maker and MBS Highway?

MBS Highway sells its market-data product separately, at $199.95 a month as of October 2026. Mortgage Maker is $99 a month. It shows the live UMBS 30-year bond, the 10-year Treasury and lock and float calls in the same app that builds borrower comparisons.

How much does MBS Highway cost compared with Mortgage Maker?

In October 2026, the MBS Highway market-data product was $199.95 a month and its Home Report a separate $169 a month. Mortgage Maker is $99 a month or $950 a year, one plan with everything included, plus a 14-day free trial.

Does Mortgage Maker have live market data?

Yes. The Mortgage Maker home screen shows the live UMBS 30-year mortgage bond and the 10-year Treasury with a daily plain-English market note, and the app gives lock and float calls. All of it is included in the $99 a month plan, with no separate market-data subscription.

Can Mortgage Maker show what a rate move does to a borrower’s payment?

Every Mortgage Maker comparison lands side by side with taxes, HOA, an insurance estimate, closing costs and cash to close. When the market moves, the loan officer rebuilds the comparison and sends one link, so the borrower sees the change in their own numbers.

Answer the next headline with a payment

Next time a buyer texts you a rate headline, send back her payment in dollars within the hour, with the bond and the lock call already in the app. Start a 14-day free trial, or book a live demo and we will build one together with the market open.