Already have a Loan Estimate? Let's see if we can do better.
Send your current Loan Estimate. Same loan amount, same lock period. Backed by our Best Price Guarantee. See terms and conditions.
Apples to apples
Same loan amount, same lock, same program. No tricks like swapping a 60-day lock for a 15-day quote.
Lender fees only
We compare lender-controlled costs. Title, appraisal, taxes, and prepaids vary by location and aren't set by us.
Honest answer
If your current quote is already strong, we'll say so. The goal is to save you money, not waste your time.
How to compare Loan Estimates yourself
The CFPB's standardized Loan Estimate looks the same at every lender, but only a few lines actually come from the lender. Here's what to add up if you want to compare two LEs by hand.
Add these
- Section A: Origination Charges (includes any discount points)
- Section B: Services You Cannot Shop For (appraisal, credit report, flood cert, MIP if applicable - lender-chosen)
Skip these
They vary by your ZIP, settlement agent, and closing date - not by who funds the loan.
- Section C - Services You Can Shop For (title, settlement, pest)
- Section E - Taxes & Government Fees
- Section F - Prepaids (homeowner's insurance, prepaid interest, taxes)
- Section G - Initial Escrow Payment
- Section H - Other (owner's title, HOA)
Then subtract Lender Credits
Shown as Section J on Page 2, and also on Page 1 inside the “Costs at Closing” box. Lender credits offset the upfront fees in Section A.
What you're left with is the lender-controlled cost. Compare that, the interest rate, and the monthly P&I. Everything else moves around for reasons that have nothing to do with the lender.
That's exactly the math the auto-compare above runs against our entire wholesale lender pool - so you don't have to do it by hand.
Or price your own scenario
Clear, low pricing every day - no need to shop around. Live rates from our wholesale lender pool, no personal info required.