Upload pages 1–2 of any competitor's Loan Estimate. Our AI grades it A–F against current market, extracts the rate, fees, and lender credits — then shows you exactly where they're padding margin. Most of our clients save thousands in closing costs alone.
Interest Rate and Section A (Origination Charges) minus Section J (Lender Credits) = your true cost from the lender. This is where we compete and win.
Most lenders advertise low rates and bury margin in Section A. We work wholesale: there's no retail markup on our pricing — what the lender prices is what you get, plus our flat compensation.
Section B (appraisal, credit report) — set by the lender's vendors, varies by region.
Section C (title insurance, settlement) — set by your title company. We have a preferred title partner that gives our clients volume-based discounts based on the loan flow we send them — typically 10–25% below retail.
Sections E, F, G, H (taxes, prepaid interest, escrow setup) — driven by your closing date, your property tax bill, and your insurance policy. Same numbers no matter which lender you use.
Three-step analysis. Takes about 30 seconds. No SSN, no credit pull, no commitment.