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FairPriceCheck

Is your refinance offer actually competitive, or are you overpaying?

A calculator tells you whether refinancing makes sense in the abstract. It can’t tell you whether the offer in front of you is a good one. Fair Loan Check audits your refinance Loan Estimate against real market data — rate, closing costs, and lender quality — in about 60 seconds.

Audit my refinance Loan Estimate ($39) →

Upload your Loan Estimate PDF. No email, no account, no stored data.

What the audit measures your offer against

Today’s 30-year refinance benchmark

Market rate (30-yr fixed)

6.52%

Range 6.52%–6.58%

If your quote is 0.50% high

$133/mo

on a $400,000 refinance

Over the life of the loan

$47,898

6.52% vs 7.02%

Benchmark drawn from 2 public sources (Mortgage News Daily, Freddie Mac (FRED)). Updated this week. The dollar figures are an illustrative example on a $400,000 loan, not a quote or guarantee. Your audit uses your actual loan amount, rate, and lender.

What a Fair Loan Check audit reveals on a refinance

Refinance shoppers are usually handed a single Loan Estimate and a few days to decide. The hard question isn’t “should I refinance?” — it’s “is thisoffer competitive, or should I push back?” The audit answers that across three dimensions:

  • Rate competitiveness.Your quoted rate is benchmarked against the current market rate for your loan type and an expected-rate range adjusted for your profile, so you can see whether you’re above or below market.
  • Closing costs and lender fees.A fee-by-fee breakdown flags the padded origination, processing, and junk charges refinancers most often overpay — with a fair amount for each.
  • Lender quality. Your lender is compared against real loan data from thousands of filings so you know whether they tend to price competitively.

You get a ready-to-send counter-offer email built from your specific numbers, so pushing back takes one copy-paste instead of an awkward phone call.

Have a refinance Loan Estimate in hand? Run it through the audit and see exactly where you may be overpaying.

Audit my refinance Loan Estimate ($39)

Keep reading

Frequently asked

How do I know if my refinance offer is competitive?

Compare your quoted rate against the current market rate for your loan type, then check whether your lender's fees are in line with what others charge. A calculator only tells you if refinancing makes sense at the numbers you type in — it can't tell you whether the specific offer in front of you is above or below market. Fair Loan Check audits your actual Loan Estimate against real loan data to answer that.

Is this a separate product from Fair Loan Check?

No. This is the same Fair Loan Check audit, positioned for refinance shoppers. You upload your refinance Loan Estimate and get the same rate-competitiveness, fee, and lender-quality analysis. There is nothing new to buy and no separate signup.

Does Fair Loan Check work for refinances and cash-out refinances?

Yes. The audit automatically detects whether your Loan Estimate is a purchase, a rate-and-term refinance, or a cash-out refinance, and tailors the analysis accordingly. You upload the same way for any of them.

Do I have to enter my email or create an account?

No. There is no email capture, newsletter signup, or account to create. You upload your Loan Estimate, get your audit, and that's it. We don't store your loan data.

What does the audit cost?

Fair Loan Check starts at $19 for a Quick Check and $39 for the Full Analysis, which includes the complete fee-by-fee breakdown, rate competitiveness analysis, and a counter-offer email. A real estate attorney charges far more for a comparable review.

Most refinance Loan Estimates include $500 to $2,000 of negotiable lender fees, on top of any rate markup. Check yours before you lock.

Audit my refinance Loan Estimate ($39)
Informational only. Not financial, tax, or legal advice. Market rate figures are drawn from public reference data and are estimates; the illustrative savings example uses a sample loan and is not a quote, offer, or guarantee. Refinance decisions depend on your specific loan terms, tax situation, and timeline. Verify all figures with a licensed mortgage professional before signing.