$2,100
That's the 5-page document your lender just sent you with all your closing costs. Our AI audits every line, finds the ones that are negotiable, and writes the email to your lender that gets them lowered.
60-second analysis · Ready-to-send negotiation email · Money-back guarantee
$2,100
Avg. savings found
87%
CDs with negotiable fees
60s
Upload to report
How it works
The 5-page form your lender emails you 3 days before closing. PDF format — drag and drop or click to browse.
Our AI compares each line item against fair-market benchmarks, state-specific regulations, and federal TRID/RESPA rules.
See which fees are padded, what they should cost, and how much you'll save. Then copy the ready-to-send email we draft for your lender.
Example report
Sample report based on a $350,000 home purchase with a $280,000 conventional loan.
Fair Closing Check
Analysis Report · Sample
$2,340
potential savings
Your negotiation email (preview):
Dear Loan Officer, I've reviewed my Closing Disclosure and have identified several charges I'd like to discuss before we proceed to closing. The $495 Document Preparation Fee appears to duplicate services already covered by the origination charge. The lender's title insurance premium of $3,200 exceeds the state benchmark of $1,860 for a loan of this size. Additionally, the $85 Courier Fee and $150 Wire Transfer Fee significantly exceed actual costs for these services. I'm requesting revised figures for these items before signing...
What we catch
Doc prep, admin charges, courier fees, wire fees — charges that pad profit with little actual service behind them.
Title premiums are regulated in many states. We compare yours against state-specific benchmarks.
Even a quarter-point reduction saves thousands over the life of your loan.
Federal law limits your escrow cushion to 2 months. If they're collecting more, you're overpaying.
Origination above 1% of your loan amount deserves scrutiny — especially with discount points.
Some fees legally cannot increase from your Loan Estimate. If they did, your lender may owe you money.
Privacy
Your document is processed in memory and deleted instantly. Never touches a database.
Names, addresses, and SSNs are removed before any AI analysis. Only fee amounts are analyzed.
Commercial API — contractually prohibited from using your data for AI training.
Upload. Pay. Get results. We don't need your email or phone number.
Pricing
$29
One Closing Disclosure. Full audit. Negotiation email. No subscription.
If we find less than $200 in savings, you get a full refund.
A $29 analysis that saves $2,100 pays for itself 72x over.
Your lender sent you a Closing Disclosure with fees their team carefully calculated. You have 72 hours to review it before you sign. Upload it now.
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