Independent Mortgage Analysis
Independent audit of your Loan Estimate - before you sign.
Most borrowers accept their Loan Estimate at face value. That's exactly what lenders count on. This audit applies the same math to your numbers - and tells you what it finds.
Mortgage Deal Audit
Sample - 30-yr Fixed / $485,000
B+ - Above Average
Deal Score Classification
Points Breakeven
41 mo.
vs. 36 mo. stated hold
5-Year Cost
$97,420
incl. origination fees
Lender Fees
$3,210
0.66% of loan
Rate vs. Market
+0.12%
above par estimate
Analytical Flags - 3 of 5
⚑Points breakeven exceeds stated hold period by 5 months
⚑Origination fee above 80th percentile for loan size
⚑Rate credit structure favors lender on early payoff
$2.1B+
IN DISCLOSED LOAN VOLUME REVIEWED
94%
OF USERS IDENTIFIED AT LEAST ONE FLAG
60 sec
AVERAGE AUDIT COMPLETION TIME
Free
NO ACCOUNT REQUIRED
The Process
01
System: Figures are parsed against standardized benchmarks.
Enter key figures from page 1 of your disclosed Loan Estimate. No account, no login, no lender access required.
02
System: Deal Score is calculated across four weighted categories.
Continue past the preview to receive a complete breakdown - including breakeven timeline, 5-year projection, and flagged findings.
03
System: Flags are presented as findings, not recommendations.
See your Deal Score, categorical analysis, and specific flags. The numbers are the numbers. You decide what to do with them.
Reference Library
Points & Credits
A systematic breakdown of when buying down your rate makes mathematical sense - and when it doesn't.
->VA Loans
The recoupment test is required by law. Most borrowers don't know it exists. This guide explains exactly what it measures.
->Documentation
Page by page. Section by section. What each field means, what to compare, and where lenders have the most discretion.
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