Our promise
Why we are structured the way we are
Every incumbent in this market is paid by the party you are negotiating against. Agent marketplaces take a cut of the agent's commission. Mortgage comparison sites route you to lenders who pay for the traffic. Title companies pay for realtor referrals.
Each of them tells you they are on your side while being funded by the other one.
The rules below are not marketing. They are constraints on what we are allowed to build, and some of them are enforced by automated checks that fail our build if they are broken. They apply to everything under this name, not just the mortgage tool we ship today. When we add agent comparison and title shopping, these rules come with them unchanged — which is why they are written about anyone on the other side of your transaction rather than about lenders specifically.
Rule 1
We are paid only by the person we are helping
Consumers pay a flat fee for analysis. Professionals pay a flat subscription or a flat per-submission fee. Nothing we earn is ever a percentage of a commission, a loan, a premium, or a sale price — not in the mortgage product, not in anything we add later. Our prices are published in plain numbers before anyone signs up.
Rule 2
Nobody can buy a better outcome. Ever.
No agent, lender, title company or vendor can pay for ranking, placement, featured status, badges, sort order, inclusion in a recommendation, or a better score. Paying us gets access to the same process everyone else gets and nothing more. There is no tier of any product we build where that is negotiable. Sort orders are computed from criteria you entered and nothing else — there is no field in our database that could hold a paid placement, and an automated check fails our build if someone adds one.
Rule 3
No referral fees, in or out
We do not accept them and we do not pay them. Not from lenders, not from title companies, not from agents, not from anyone. If a partnership required one, we would decline the partnership.
Rule 4
We never contact the other side for you
We draft the messages; you read them, change them, and send them from your own account. There is deliberately no send button on our servers. This keeps us a coach rather than a broker, both legally and ethically — and it means nothing goes to a lender, an agent, or a title company in your name that you did not read first.
Rule 5
Pricing is published
Ours is on the pricing page, every branch on one page. There is no 'call for a quote' anywhere in this product, and there will not be one.
Rule 6
The math is shown, not asserted
Every number in every report traces back to a line on your own document or to a stated assumption you can change. No black-box scores, in any branch. If we cannot show you why, we do not display it. Where we are modelling something — mortgage insurance cancellation, for instance — the rule we used is printed next to the number it produced.
Rule 7
We disclose our conflicts before anyone asks
Mason Kiffmeyer, who runs Fully Negotiable, is a licensed real estate agent. That appears plainly anywhere it could matter. He sells across the Lynchburg area, so agent proposals are not offered in 5 counties: Lynchburg City, Amherst, Appomattox, Bedford, Campbell. A buyer there is told so on the screen where it costs us the sale, and the exclusion is a list of counties in our code rather than a policy we follow — the same list this sentence is printed from. Any agent who subscribes to this mortgage tool gets zero marketplace advantage from it, and we say so on the pricing page rather than leaving it to be discovered.
Rule 8
We do not sell, rent, or share your data
Your documents are encrypted at rest. If a Social Security number appears on one, it is stripped out of everything we read off the document, so it never reaches our database or the extraction model — the file itself is kept as you sent it, encrypted, and erased when you delete it. Agents you have not invited see no contact details for you at all, and our analytics rows carry no account identifier. If you ask us to delete your account, we delete the files, the extractions and the reports — not hide them, erase them. The one thing that survives is our anonymized benchmark observations: a state, a week, what kind of transaction it was, and what somebody charged, with their name hashed. No name, no address, no loan number, nothing that points back to you. Those rows are what let us tell the next person whether a fee is normal. The lender name is a salted hash, so those rows cannot be reassembled into a list of names by us or by anyone who obtained them. That is a property of the data rather than an intention of ours.
Rule 9
We tell you when we cannot help
Including when the answer is that your current offer is already good. A report that finds nothing wrong is a successful report. We will never manufacture savings to justify a fee — which is exactly the thing a company funded by the other side could not afford to do.
What we are not
Not a lender or a mortgage broker. Nobody here is paid more when you borrow more, or paid at all by anyone who lends. We never send your documents to a lender and we never contact one.
Not a real estate brokerage, in your county. Mason is a licensed Virginia agent, which is a conflict rather than a credential, so the counties he works in are excluded from the proposals marketplace in code. They are named on this site.
Not a title agent or a settlement company. We explain which title charges are filed rates you verify and which are services you can shop. We do not sell either, and we name no vendors.
Not an attorney. We describe what your documents say and what other agreements in the market do differently. We do not draft language, and we do not tell you what to require of anybody.
Not a financial adviser. Nothing here is a recommendation about whether to buy, how much to borrow, or which loan suits your life. We show arithmetic; the decision is entirely yours.
Not a rating service. We do not score, rank or recommend anyone on the other side of your transaction by name. We compare the documents you bring us and nothing else.
Where we point at a rule — checking a Closing Disclosure against the estimate it came from, for instance — we are showing you the question worth asking, not reaching a conclusion about what anybody did. Verify every number against your own paperwork.