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.
That is the whole reason this exists. 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.
Rule 1
We are paid only by the person we are helping
Consumers pay a flat fee for analysis. Agents pay a flat subscription. Nothing we earn is ever a percentage of a commission, a loan, a premium, or a sale price. 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 you access to the same process everyone else gets and nothing more. There is no tier of this product where that is negotiable. Sort orders are computed from your own criteria and nothing else.
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 emails; 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 in your name that you did not read first.
Rule 5
Pricing is published
Ours is on the pricing page. Any agent listed in our marketplace publishes their pricing and services too. There is no 'call for a quote' anywhere in this product.
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. 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, and Mason's own market is excluded from our agent marketplace entirely. 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. Social Security numbers are redacted automatically if they appear. 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 rows: a state, a week, a loan type, a rate, and what the lender charged, with the lender's name hashed. No name, no address, no loan number, nothing that points back to you. Those rows are what let us tell the next buyer whether a fee is normal. They are never brokered as leads.
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
We are not a lender, a mortgage broker, an attorney, or a financial advisor, and nothing here is financial or legal advice. We do not rate or recommend lenders by name; we compare the quotes you give us. Where we point at a regulation — for instance when checking your Closing Disclosure — we are showing you the question to ask your lender, not reaching a legal conclusion about what they did. Verify every number against your own documents.