Is your loan estimate actually good?
Upload your Loan Estimate and get an instant, unbiased grade. See which fees are fair, which are high, and where you may be overpaying.
Best used before you lock your rate.
Drop your Loan Estimate PDF here
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Your personal information is protected. Loan details may be reviewed anonymously to improve your offer, you stay in control.
Sample Analysis
What you'll see after uploading
Your Loan Grade
A decent offer overall, but your closing costs are higher than typical.
Monthly Payment
$2,847
Principal & Interest
Cash to Close
$67,450
Due at closing
Key Findings
Origination fee is higher than most similar loans
You're paying 1.2% — typical is 0.5-1%
Interest rate is competitive
6.75% is in line with current market rates
Get clarity in three steps
No mortgage expertise required. We translate the fine print into plain English.
Upload your PDF
Drop in the Loan Estimate you received from your lender. We support all standard CFPB formats.
Get your grade
We review your rate, fees, and loan structure against typical market ranges — and explain it all in plain English.
Know what to do
See exactly which fees are negotiable and get scripts for talking to your lender.
Finally understand what you're paying for
Loan Estimates are hard to interpret without context. We break down every line item and tell you what's normal, what's high, and what you can push back on.
- Clear grade — Know instantly if your loan is good, fair, or needs work
- Fee breakdown — See which fees are normal and which are inflated
- Negotiation guidance — Get word-for-word scripts to use with your lender
- Compare offers — Upload multiple estimates and see them side-by-side
Origination Fee
$4,200
Appraisal Fee
$550
Title Insurance
$1,850
Credit Report
$35
Simple, one-time pricing
No subscriptions. No hidden fees. Pay once and use it for your entire home buying journey.
Premium
$19
one-time payment
- Everything in Free, plus:
- Full fee breakdown
- All red flags & issues
- Negotiation scripts
- Analyze multiple offers
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We don't make money from lenders. Our only customer is you.
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