01
Enter your Loan Estimate numbers
System parses figures against standardized benchmarks.
Enter the key figures from page one of your disclosed Loan Estimate. No login is required and no lender access is needed.
How It Works
Independent mortgage analysis
before you close.
KnowBeforeYouClose reviews the numbers in your Loan Estimate and applies the same financial math lenders use internally.
The audit calculates deal classification, breakeven timelines, fee positioning, and analytical flags so you can understand the structure of the loan before signing.
The Process
Three steps.
No interpretation required.
02
The system runs the analysis
Deal Score is calculated using structured financial benchmarks.
The platform calculates a Deal Score using weighted categories including cost efficiency, breakeven timeline, fee positioning, and rate structure.
03
Review the findings
Flags highlight conditions that may warrant closer review.
The audit produces a classification score and identifies any analytical flags in the structure of the loan.
Analysis Categories
What the audit actually reviews
Deal Score Classification
The system evaluates the overall structure of the loan and assigns a classification score based on multiple financial factors.
Breakeven Timeline
Calculates the effective breakeven point of points and credits relative to the borrower’s expected hold period.
Fee Positioning
Compares disclosed lender fees to normalized benchmarks for the loan size and product type.
Five-Year Cost Projection
Projects estimated cost over a standard horizon to highlight structural differences between rate and fee combinations.
Rate Structure
Evaluates how the disclosed rate compares relative to market estimates.
Analytical Flags
Flags highlight conditions that may indicate potential inefficiencies in the loan structure.
Most borrowers sign a Loan Estimate
without ever analyzing it.
Mortgage disclosures contain the information needed to evaluate the structure of a loan, but interpreting that information requires financial analysis most borrowers never perform.
KnowBeforeYouClose was created to apply structured analysis to those numbers so borrowers can understand the financial structure of their loan before committing to it.
The platform does not recommend lenders and does not sell borrower data. It simply analyzes the numbers already disclosed to the borrower.
Run the audit on your Loan Estimate
The audit takes approximately sixty seconds to complete and requires only the key figures from page one of your Loan Estimate.