Free Loan Estimate Second Opinion

Find out in one business day if your mortgage quote is costing you more than it should.

Already have a quote from another lender? Send us the numbers. We compare them against our wholesale lenders and send you a side-by-side. No credit pull, no obligation.

Your quote (from your Loan Estimate)

Page 2, Section A. Enter 0 if none, or a minus sign for a lender credit (-0.25).

The total of Section A on page 2.

Page 2, "Total Closing Costs (J)".

Where to send it

By submitting, you agree to our Privacy Policy. Reviewing your quote does not pull your credit.

This information is not intended to be an indication of loan qualification, loan approval or commitment to lend.

What you get

  • Line-by-line review

    We check your rate, points and Section A origination charges against what lenders are pricing today.

  • A side-by-side comparison

    You get a comparison link with your quote next to options from our wholesale lenders.

  • Plain-English fee flags

    Any fee that looks high gets called out, with what it is and whether it is usually negotiable.

  • An optional 15-minute call

    Talk it through with Joann if you want to. No obligation to switch.

How it works

  1. Step 1

    Send the numbers

    Type the figures from page 1 and 2 of your Loan Estimate. About two minutes, no upload.

  2. Step 2

    We compare

    We price the same loan with our wholesale lenders.

  3. Step 3

    You get a side-by-side

    Within one business day, by text or email.

Our promise

If your quote is already competitive, we'll tell you, and you keep your lender.

Where to find each number on your Loan Estimate

Loan amount and interest rate
Page 1, "Loan Terms".
Points
Page 2, Section A, shown as a percent of the loan amount. A lender credit appears in Section J as a negative number.
Section A origination charges
Page 2, the total of Section A: what the lender itself charges to make the loan.
Total closing costs
Page 2, "Total Closing Costs (J)". This includes Section A plus title, escrow, appraisal and prepaid items.

Questions

No. We review the numbers you send us. A credit check only happens if you later decide to apply with us.
If your quote is already competitive, we'll tell you, and you keep your lender. Most of the value is knowing for sure before you lock.
No. You can use the comparison to ask your current lender to match, or keep your quote as it is.
Nothing. The review and the comparison are free, with no obligation.
Within one business day of sending your numbers.
A three-page form every lender must give you within three business days of a mortgage application. It shows the rate, monthly payment and closing costs in a standard layout, which is what makes quotes comparable.

This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.