What grade does your mortgage quote get?
Send us whatever your lender gave you — a Loan Estimate, rate quote, fee worksheet, or even a screenshot. 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.
You'll see what your lender fees cost in real dollars — and whether they're in line with what other borrowers pay.
Free review • No credit check • No sales calls • Same-day response
- Reviewed by licensed loan professionals
- Secure upload or manual entry
- Confidential
- No sales calls unless you ask
Four steps to a clear answer — then the decision is yours.
Upload your Loan Estimate, rate quote, fee sheet, or a screenshot — or just type in the numbers your lender gave you.
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 quote 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 mortgage quote actually a good deal?
Sometimes the answer is yes. Here's what both outcomes look like.
Competitive pricing and clean structure. This one looks good as written.
- • Rate competitive for this credit profile and loan type
- • Lender fees roughly $400 below typical for this loan size
- • No discount points — no break-even to recover
- • Fixed rate, no prepayment penalty
- • Rate lock expires in 21 days — confirm your closing date fits
- • Third-party title costs on the higher side, but not lender-controlled
Examples only. Dollar figures are illustrative. Your review reflects your actual quote.
Mortgage quotes 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 45 states plus DC — view the full list.
Questions, answered.
Before you accept your loan, make sure the numbers make sense.
One quote. One licensed advisor. Results by email — no sales calls unless you ask.
And if your quote can be beaten, we're licensed in 45 states plus DC and ready to compete for it.