Abstract: A report, loan estimate and approved debt instrument package generating system for determining a preferred, available debt instrument package approved for individual consumers is disclosed. A typical scenario is a consumer having obtained a loan offer for a mortgage loan on a standardized loan estimate form and utilizing the system disclosed herein, receiving back an analysis of that loan offer with comparison(s) to other available and approved loan offers and/or actually receiving back an alternative lender's loan estimate form and/or actually receiving back alternative loan packages for closing. The system is further configured to monitor, suggest improvements to and provide the ability to change a consumer's fiscal situation in real time.