What this is, and what it is not

You upload your own documents and you send every communication yourself. We draft the emails; you read them, change them, and send them from your own account.

We never contact your lender. Any decision you make about a loan is yours, and you should verify every number against your own documents before acting on it.

We read documents with software and it can misread one. That is why every extracted field is shown to you with our confidence in it, and why you can correct anything before it drives a number.

Where a document does not add up against its own totals, we refuse to produce a comparison rather than guess. Where we cannot read a figure, we say so instead of substituting zero.

We do not warrant that a lender will agree to anything, and no part of this product claims to.

Prices are published on the pricing page in plain numbers before you sign up. Every one is a flat fee. Nothing we earn is a percentage of a commission, a loan, a premium, or a sale price.

You see what a full comparison found before you are asked for anything. If it comes to less than $500, there is no purchase offered — not a smaller price, not a button to talk yourself out of. That is a statement about what we found for you to ask for, never about what a lender will agree to.

No lender, agent, title company or vendor can pay us for placement, ranking, a badge, or a better result in anything we build. There is no field in our database that could express it and an automated check fails our build if someone adds one.

You can delete your account and everything in it at any time. We can close an account that is being used to abuse the service — running the free check in a loop, for instance — and we will say why if we do.

Mason Kiffmeyer, who runs Fully Negotiable, is a licensed real estate agent. We take no money from any lender in any form. When we later compare real estate agents, Mason’s own market is excluded entirely.