Pricing
Plain numbers, before you sign up
Every price is a flat fee, published here. Nothing we earn is a percentage of a commission, a loan, a premium, or a sale price. We do not take referral fees and we do not pay them.
You see what we found before you pay. If it is under $500, there is nothing to buy.
Loans
Compare lender quotes and negotiate the fees
Single quote check
Free
free
Upload one Loan Estimate and see how its fees compare, what it is likely to cost you, and the three things most worth asking about.
- Every fee read off your form and shown next to typical ranges
- A grade, and the three findings that matter most
- A conservative estimate of what negotiating could move
- Side-by-side comparison of multiple quotes
- The full negotiation plan and drafted emails
Full comparison
$99
one time, per transaction
The whole thing: every quote compared on what the lender actually controls, the negotiation plan, and the drafted emails.
You see what we found before you pay. If it is under $500, there is nothing to buy.
- Unlimited quotes compared side by side, normalized so they are genuinely comparable
- True cost over the years you actually plan to stay, not just over 30 years
- Every padded fee and misleading structure flagged, with the reason
- A sequenced negotiation plan with the emails written for you to send
- Re-upload revised quotes and we compute exactly what you saved
The comparison is built free. You are only asked to pay once it is done and you have seen what it found.
If you are an agent
Per client report
$39
per client report, no subscription
One buyer, one report, co-branded to you. No subscription, nothing to cancel.
You see what we found before you pay. If it is under $500, there is nothing to buy.
- The full comparison for one client, co-branded to you
- The savings receipt for that client when their revised quotes come in
- That client visible on your dashboard
- A landing page at your own URL — that is on the subscription
- Any advantage in anything we build — nobody can pay us for placement or ranking
Agent — monthly
$49
per month, unlimited clients
Give every buyer you work with the full comparison, co-branded to you. Flat fee, unlimited clients.
- Full comparison for every client you invite, at no extra cost per client
- Co-branded reports and shareable savings receipts
- A dashboard showing where each client stands
- A landing page at your own vanity URL
- Any advantage in anything we build — nobody can pay us for placement or ranking
Agent — annual
$490
per year, unlimited clients
The same thing, billed yearly. Two months cheaper than paying monthly.
- Everything in the monthly plan
- Any advantage in anything we build — nobody can pay us for placement or ranking
If you run more than two of these in a month, or more than 13 in a year, the subscription costs less — 2 reports is $78 against $49 a month. We would rather tell you that than collect the difference.
Agents
Compare agents on service and fee, not on who paid to be listed
A request for proposals
$99
once, per request
Verified agents write you terms against the same questions, so the answers line up. Flat, charged once when the request publishes, and refunded automatically if too few arrive inside your window.
- Your questions answered by every agent who submits
- The comparison, in the same rows, once your window closes
- An automatic refund if the request does not fill
- Any influence over which agents are drawn — nobody can pay us for placement or ranking
What we are not paid for
We are not paid by lenders. Not for referrals, not for placement, not for being included in anything. We never recommend a lender by name — we compare the quotes you bring us.
We are not paid by title companies, and we take no referral fee for the title and settlement services we tell you to shop for.
Nobody can pay for a better score, a better rank, or a badge. There is no field in our database that could hold that, and an automated check fails our build if someone adds one. Every push runs our charter check, our type checker and our full test suite, and the charter check scans the database schema and the source for the fields that would make paid placement possible.
We do not sell, rent, or share your data. The anonymized rows behind our fee benchmarks carry no name, address or loan number, and the lender name is a salted hash — so they cannot be turned back into a list of anyone.
Why you see the number before you pay
Uploading, reading your documents and building the comparison are free, however many quotes you have. At the end you get one number: the total we can justify asking for. If it clears $500, the full report is $99 — every quote side by side, what is worth asking about on each, and the emails to ask it in. If it does not, we say so and there is nothing to buy.
This is a figure for what we find for you to ask for, not for what a lender agrees to. We never contact your lender and we do not control their answer. What we can say is that every ask traces to a line on your own documents, and that you see the total before you are asked for anything.
If you ask agents to compete for you
If fewer than two proposals arrive inside your window, your $99 comes back automatically. The window is forty-eight hours where we already have agents, five days where I'm recruiting them for your request.
You pay once to publish the request, and you keep whatever arrives. Every county is purchasable — what changes is the window, and you are told which one applies before you pay rather than after. Where 3 or more verified agents already work in your county it is 48 hours; where they do not, Mason recruits them for your request by hand and it is 5 days.
If nobody opens your proposal within a week, the submission fee goes back to your account. If the request does not fill and the buyer is refunded, so are you.
What an agent pays to submit a proposal
Charged at submission, by the buyer's price range, and identical for everyone in that band. Comparing buyers already have an agent and are shopping terms, so they cost less to pitch.
| Buyer's price range | Choosing an agent | Comparing against one |
|---|---|---|
| Under $250k | $79 | $39 |
| $250k–$600k | $149 | $79 |
| $600k–$1.2M | $299 | $149 |
| Over $1.2M | $499 | $249 |
There is no column for being selected. Nothing we earn changes with who the buyer chooses, and there is no fee at closing — the row that records a selection carries a fee of zero and always will.
If nobody opens your proposal within a week, the submission fee goes back to your account. If the request does not fill and the buyer is refunded, so are you.
Both sides of that marketplace pay
Proposals cost a buyer less than they are worth because agents pay a published fee to submit one. Both numbers are on this page, a few inches apart, which is the only honest way to run a market where two people are charged for the same transaction.
This page changes first
Every price on this site is one constant in one file, and every screen that names a price reads it from there. So a price changes on this page before it changes anywhere — there is no second place for an old number to survive, and a test scans the whole site for a price typed into a sentence and fails the build if it finds one.
For agents, one thing worth being explicit about
Subscribing to this tool buys you the tool. It does not buy you placement, ranking, a badge, or a better outcome in anything we build now or later. There is no version of this product where that is negotiable, and there is no field in our database that could express it — an automated check fails our build if someone adds one.