How it works

Four steps, no account, no sales call.

1. Add offers

Copy each lender's numbers into an editable worksheet arranged like the three pages of a Loan Estimate. Add your own fee labels and amounts, or load a clearly labeled fictional example. Nothing is automatically read from a file. Learn how to read your Loan Estimate.

2. Check the numbers

Every figure is shown beside where it came from, and you confirm or correct it. A missing number blocks the metric that needs it. It is never treated as zero.

3. Match the comparison

Offers are ranked only when they share the same loan amount and term. You also choose how many years you expect to keep the loan, or say you are not sure.

4. Understand your options

See upfront costs, monthly payments, and what each choice costs over time, with plain-English reasons.

Lender-controlled pricing is Section A origination charges, including points, minus lender credits. Other closing costs are shown separately; they still affect your cash needs and total financing costs.