Second look
Bring the offer you already have.
Send us the Loan Estimate another lender gave you. We read every line against our own pricing and tell you plainly whether it is a good offer.
Illustrative sample figures for a template demonstration. Not a rate quote, not an offer to lend, and not live market data.
The Loan Estimate exists to be compared.
It is standardised on purpose: the same three pages, the same boxes, in the same order, from every lender in the country. Almost nobody compares two of them. Reading one against another set of live pricing is a mechanical exercise, and it takes an experienced officer well under an hour.
Sometimes the answer is that the offer in front of you is a good one and you should take it. That is a genuinely useful answer, and it is the one you cannot get from the lender who wrote the offer.
Illustrative sample figures for a template demonstration. Not a rate quote, not an offer to lend, and not live market data.
- The rate and the APR
- The gap between the two is where the fees live. We itemise what sits in it on your estimate.
- Discount points
- Whether you are buying the rate down, what that costs, and how long it takes to earn back.
- Program fit
- Frequently the biggest finding is not the pricing at all, it is that a different program suits the file.
- Lock terms
- How long the price is held, what an extension costs, and what happens if the closing date slips.
How the review runs.
- 01Send the estimateThe standardised Loan Estimate every lender has to give you. Three pages, same format, always comparable.
- 02A licensed officer reads itLine by line, against our own pricing for the same file, and writes the comparison down.
- 03You decide from a real comparisonKeep your lender or move. Either way you are negotiating from numbers rather than from a feeling.
Send it over.
Fill in enough for us to price the same file, attach the estimate, and a licensed officer will write the comparison up. No credit pull is needed to do this.
What people ask before sending one.
A second look is a reading of a document you already own. It costs you nothing and commits you to nothing.