Harbor Light Lending Group
SECOND LOOK

Get a Free Second Look at Your Loan Offer

Already have a Loan Estimate from another lender? Send it over — we'll audit every line within 24 hours and tell you honestly whether we can beat it.

Why Bother?

The second opinion that regularly finds real money

Loan Estimates are standardized for a reason: so they can be compared. Most borrowers never compare them. The ones who do routinely discover overpriced fees, padded rates, or a mismatched program — on a document they had already signed off on.

Line-by-line audit

We review the rate, discount points, lender fees, and program fit — the four places money hides.

Typical findings

When we find savings, it is usually $1,800-$4,500 over the life of the loan — sometimes far more.

24-hour turnaround

Closings have deadlines. You get our written comparison within one business day.

No strings

If your current offer is strong, we will tell you to keep it — and you will know it is strong.

  1. 1

    Upload your Loan Estimate

    The standardized 3-page document every lender must give you.

  2. 2

    We audit it in 24 hours

    A licensed loan officer compares it against our live pricing.

  3. 3

    You decide with real numbers

    Keep your lender or switch — either way, you negotiate from strength.

Let's Make Sure You're Getting The Best Deal

Send us your Loan Estimate and we'll review it in 24 hours.

Use the form below to complete some basic information and upload your current Loan Estimate (LE) from another lender. We'll let you know within 24 hours if we can beat their offer.

Your documents are reviewed only by a licensed loan officer and never shared. No credit pull is required for a Second Look.

Second Look FAQ

Common questions