$1,800
That's how much the average Loan Estimate has in negotiable fees and above-market charges.
You just applied for a mortgage and received your Loan Estimate. Before you commit, we compare your rate, fees, and terms against current market benchmarks and tell you exactly what to negotiate — with the email to send to your lender.
60-second analysis · Counter-offer email included · Money-back guarantee
$1,800
Avg. savings identified
73%
LEs with above-market charges
60s
Upload to report
How it works
Know if your mortgage deal is fair before you commit.
Upload your Loan Estimate
The 3-page form your lender sends within 3 business days of your application. PDF format.
Rate and fees are benchmarked in 60 seconds
Every charge is compared against current market rates, fair-fee benchmarks, and state-specific regulations.
Get your analysis + counter-offer email
See if your rate is competitive, which fees are inflated, and which services you can shop for better prices. Then send our counter-offer email to your lender.
Example analysis
Here's what a Loan Estimate analysis looks like.
Sample analysis based on a $400,000 home purchase with a $320,000 conventional 30-year fixed loan.
Fair Loan Check
Analysis Report · Sample
$1,840
potential savings
Your counter-offer email (preview):
Dear Loan Officer, I've reviewed my Loan Estimate and identified several areas where the terms appear above market rates. My offered rate of 6.875% is approximately 0.50% above current benchmarks for a 30-year fixed conventional loan with my credit profile. The $4,500 origination fee represents 1.13% of the loan amount, exceeding the typical range of 0.5%–1.0%. I also note a $395 Application Fee that duplicates services covered by the origination charge. I'm requesting a revised Loan Estimate reflecting competitive rates and adjusted fees...
The counter-offer email is included with the Full Analysis ($39). The Quick Check ($19) shows your rate assessment and top savings opportunities.
What we check
Every number on your Loan Estimate, verified.
Interest rate comparison
Is your rate competitive for your credit profile and loan type? We compare against current Freddie Mac benchmarks.
Origination charges
Are you paying too much in lender fees? We flag excessive origination, application, processing, and underwriting charges.
Discount points value
If you're paying points, are they worth it? We calculate the break-even period and whether the rate reduction is fair.
Shoppable services
Title insurance, settlement agent, surveys — these are services you can shop for better prices. We show you where and how.
Hidden cost signals
When your APR is significantly higher than your rate, it means hidden costs in the fees. We flag the gap and explain what's driving it.
Warning signals
Prepayment penalties, balloon payments, and other red flags that could cost you thousands.
Why it matters
Your Loan Estimate is a starting offer, not a final price.
Most borrowers treat the Loan Estimate as a fixed quote. It's not. Your interest rate, origination fees, and many third-party charges are negotiable. The Loan Estimate is your lender's opening position. Fair Loan Check gives you the data to make a counter-offer — and the email to send it.
$1,800 + $18,000
Average savings in closing costs + lifetime loan savings when borrowers negotiate their Loan Estimate terms.
Privacy
Your finances stay yours.
Never stored
Your document is processed in memory and deleted instantly. Never touches a database.
PII stripped
Names, addresses, and SSNs are removed before analysis. Only fee amounts and loan terms are reviewed.
Zero-training guarantee
Your data is contractually prohibited from being used for model training by any third party.
No account required
Upload. Pay. Get results. We don't need your email or phone number.
Pricing
One analysis. One price.
A mortgage broker charges 1–2% of your loan amount. Fair Loan Check costs $39.
Quick Check
$19
one-time
- ✓Rate comparison against market benchmarks
- ✓Top 3 savings opportunities identified
- ✓Overall deal assessment
- ✗Full fee-by-fee analysis
- ✗Counter-offer email
- ✗Shopping checklist
- ✗Points break-even analysis
Full Analysis
$39
one-time
Save $1,761+ on your mortgage costs
- ✓Complete rate and fee analysis
- ✓Every charge benchmarked
- ✓Counter-offer email for your lender
- ✓Shopping checklist for services
- ✓Points break-even calculation
- ✓Warning signal check
- ✓APR gap analysis
Money-back guarantee: If we find less than $200 in potential savings, you get a full refund.
A mortgage broker charges 1–2% of your loan amount. Fair Loan Check costs $39.
Common questions
Common questions about Loan Estimates
What is a Loan Estimate?
A Loan Estimate (LE) is a standardized 3-page form your mortgage lender must provide within 3 business days of receiving your application. It shows your estimated interest rate, monthly payment, and total closing costs. The form was created by the CFPB as part of the TRID rule to help borrowers compare offers from different lenders. Read our page-by-page guide →
Can I negotiate my Loan Estimate?
Yes. Your interest rate, origination fees, and many third-party service fees are negotiable. Lender fees (origination, application, processing, underwriting) are set by the lender and can often be reduced. You can also shop for lower prices on title insurance, settlement agents, and other services listed in Section C. Government fees — recording fees, transfer taxes — are set by law and cannot be negotiated. Get negotiation scripts →
What's the difference between a Loan Estimate and a Closing Disclosure?
A Loan Estimate is the 3-page estimate you receive when you apply — it's your lender's initial offer. A Closing Disclosure is the final 5-page form sent 3 days before closing with actual costs. Under TRID tolerance rules, certain fees cannot increase at all from LE to CD, and others by no more than 10%. See the full comparison → Already have your Closing Disclosure? Audit it with Fair Closing Check →
How does the interest rate compare to APR?
Your interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus fees, points, and other costs spread over the loan term. A wider gap between your rate and APR means more hidden costs in the fees. If your APR is 0.5% or more above your rate, it's worth investigating which fees are driving the difference.
What are shoppable services?
Under TRID rules, Section C of your Loan Estimate lists services you can shop for from providers other than those your lender suggests. These typically include title insurance, settlement/closing agents, pest inspections, and surveys. Getting 2-3 competing quotes for these services can save hundreds or even thousands of dollars.
Should I get multiple Loan Estimates?
Yes — applying with 3 to 5 lenders is strongly recommended. All credit inquiries for mortgage applications within a 45-day window count as a single inquiry on your credit report, so there's no penalty for comparison shopping. Even a 0.125% rate difference on a $320,000 loan saves over $8,000 over the life of the loan. How to compare them →
Guides
Learn more about Loan Estimates
Already received your Closing Disclosure?
Your lender sends this 3 days before closing with your final fees. Audit it with Fair Closing Check to make sure nothing changed.
Your lender made you an offer. Make a counter-offer.
Upload your Loan Estimate and find out if your rate, fees, and terms are competitive — in 60 seconds.
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