How it works
- Upload your competitor's Loan Estimate below (PDF or photo).
- We review rate, points, lender fees, and loan structure against our wholesale options.
- You get an answer within 24 hours, beat it, match it, or an honest "your current deal is solid."
Upload your Loan Estimate
What we compare
- Note rate and APR, not just the headline rate.
- Origination charges, discount points, and lender credits.
- Loan structure: term, ARM vs fixed, buydown options you may not have been shown.
- Closing timeline and lock options.
FAQ
Is my Loan Estimate kept private?
Yes. Your document is transmitted securely and used only to prepare your rate comparison. We never share your information with the lender who quoted you.
What if you cannot beat my current offer?
We will tell you plainly, and show you the math. If your current offer is already the best available structure for your scenario, we would rather earn your trust than waste your time.
Will this affect my credit score?
No. Reviewing your Loan Estimate requires no credit pull. We only check credit when you decide to move forward with an application.
What file types can I upload?
PDF, JPG, or PNG of your Loan Estimate, a photo from your phone works fine as long as every page is readable.
Free review for educational purposes. Not a loan offer or commitment to lend.