Mortgage quote comparison
Most of what a lender charges you is negotiable. They are counting on you not knowing which parts.
Upload your Loan Estimates. We read every fee, normalize the quotes so they are genuinely comparable, show what each loan actually costs over the years you plan to stay, and write the emails you send to negotiate — naming the specific lines to push on and what the lender will likely say back.
We take no lender money. Not referral fees, not sponsorships, not placement. There is nowhere in our database to record who paid us, because nobody but you does.
The full comparison is $149, once, per transaction. That price is on the pricing page and it is the price.
The trick this catches
Only the costs the lender controls
Half of a Loan Estimate is property taxes, insurance and escrow — the same bills whichever lender you pick, and estimates a lender can shade to make its cash-to-close look smaller. Comparing on those numbers rewards whoever guesses lowest. We separate them out and compare what the lender actually sets.
Rates that are not what they look like
A lender can show you a lower rate simply by assuming you will buy it down with points. Quoted side by side, they look cheaper without being cheaper. We spot it, tell you what the buy-down costs, and show the month it starts paying for itself.
The cost over your years, not thirty
The headline rate answers what a loan costs over thirty years. If you will move in seven, that is the wrong question. We compute the real total over the horizon you choose — lender charges, interest and mortgage insurance, with the insurance cancellation rules modelled properly.
What you get
- 1
Upload your quotes
Loan Estimates, or the informal worksheets lenders send before one. We read every line and show you our confidence in each number, so you can correct anything we misread before it drives a single result.
- 2
See the comparison
Side by side, normalized, with the excluded costs greyed out and explained rather than hidden. Every figure traces back to a line on your own document or to an assumption you can change.
- 3
Send the counters
A sequenced plan with the emails written — which lender to push on what, in what order, and what they are likely to say back. You send them; we never contact a lender on your behalf. That is the line between a coach and a broker, and we stay on the right side of it.
- 4
Check the closing
When the Closing Disclosure arrives, we compare it line by line against your last Loan Estimate and show you which increases the rules do not permit — with the draft that asks about them, before you sign.
We will tell you when your offer is already good
Sometimes the answer is that there is nothing to fix. When that happens the report says so plainly and does not invent a finding to justify what you paid. A report that finds nothing wrong is a successful report — and it is the one result a company funded by the other side could never afford to give you.
Read the rules we hold ourselves to