An override replaces one rate on one term for one lender on the Rates page. It leaves every other cell for that lender exactly as the market feed published it.
When an Override Is the Right Answer
Reach for an override when a lender quotes you something different for a specific product, a five-year fixed at 4.29% instead of the published 4.39%, and you want that number reflected everywhere it feeds into a refinance comparison, a penalty estimate, or a client report. It is scoped to your own account: it changes what your calculations use, not a teammate's, unless your brokerage has turned on brokerage-level rates, in which case the grid is locked and Set Brokerage-Level Rates is the tool that applies.
Overriding a Single Cell
Open Tools > Rates, find the lender's row and the term's column, and click the cell. Fixed and Rental cells take an absolute rate. The Variable cell takes a signed offset against prime instead, like P minus 0.85, with a toggle to flip the sign. Save it, and the cell shows your override from then on with a small revert arrow beside it.
Shifting a Whole Lender With an Offset
The Offset column beside a lender's name is a different tool, not an override. An offset shifts every term for that lender at once by a fixed number of basis points, everywhere that lender is used. Reach for the Offset column when your whole relationship with a lender consistently runs richer or leaner than the posted rate; reach for an override when only one specific term was quoted differently.
Which Rate a Calculation Then Uses
Every refinance comparison, penalty estimate, and best-rate strip you run reads your personal rate layer first: your overrides and offsets applied on top of the daily market feed. The moment you save an override, the next calculation you run for that lender and term picks it up, no separate step required.
Reverting to the Market Rate
Click the small revert arrow beside an overridden cell to drop that one override and return the cell to the live feed. This undoes a single cell only. Reset to Live Rates, on the Rates page itself, clears every override and offset across your whole grid at once, with no per-cell undo afterward.
Common Gotchas
The signed value on a Variable override cell and the lender-wide Offset column look similar but are not the same thing: one is scoped to the single Variable term you clicked into, the other reshapes every term for that lender. Overriding a fixed term does nothing to that lender's Variable or Rental cells, even though they sit in the same row. And an override you save while brokerage-level rates are locked is accepted but silently has no effect on what the grid or a calculation actually uses, since a locked tuple is filtered out before your override layer is applied.
What to Do Next
Use Manage the Rates Page for the full picture of the grid, including notes, expiry, and resetting the whole board.