What grade does your Loan Estimate get?
Upload your Loan Estimate and a licensed loan officer will review the rate, fees, lender costs, and loan structure—then explain what looks good and what deserves a closer look.
Free review • No credit check • No sales calls • Response within 24–48 hours
- Reviewed by licensed loan professionals
- Secure document upload
- Confidential
- No obligation
Three steps to a clear answer — then the decision is yours.
Upload the official PDF your lender provided — all three pages.
Share basic property and loan context so the advisor can evaluate it properly.
A licensed advisor sends you a clear breakdown of what looks good and what deserves attention.
Your report card gives you a clear path forward. You can move ahead with your current lender, use the findings to negotiate better terms, or connect with one of our licensed loan officers to see whether we can improve your rate, fees, or overall loan. If we can offer a better option, we'll help you make the switch and move forward.
Four areas reviewed. One clear grade.
We evaluate the rate, points and credits, lender fees, and overall loan structure—then give your Loan Estimate a simple grade.
Whether your rate looks competitive for your credit and loan type.
How much you're paying up-front to lower your rate — and whether the trade is worth it.
Origination, underwriting, and processing charges your lender controls.
Term, program, ARM features, prepayment or balloon terms.
Your report card also covers cash to close, rate lock status, break-even on points, and other details most borrowers never check.
Is your Loan Estimate actually a good deal?
Here's how we answer that question.
Not necessarily a bad loan — the pricing deserves a second comparison before proceeding.
- • Fixed interest rate
- • No prepayment penalty
- • Reasonable third-party fees
- • Paying 1.5 discount points
- • Buydown may take 5+ years to recover
- • Section A lender fees higher than expected
Loan Estimates are harder to read than they look.
A lower rate does not always mean a better deal.
High discount points can make an attractive rate expensive.
Lender credits often come with a higher interest rate.
Closing costs mix lender-controlled and non-lender-controlled fees.
Comparing APR alone doesn't tell the full story.
Small structural differences change your break-even by years.
A human reviews your loan. Not an algorithm.
Every review is completed personally by a licensed loan officer who understands how rates, discount points, lender credits, loan programs, and closing costs work together — the way they actually interact on real loans, not in theory.
Licensed in 48 states — view the full list.
Questions, answered.
Before you accept your loan, make sure the numbers make sense.
One upload. One licensed advisor. Results by email — no sales calls unless you ask.
And if your quote can be beaten, we're licensed in 48 states and ready to compete for it.