Got a mortgage quote? Get a second opinion — comparemyloan
Loan Estimate
RATE6.625%
Page 2 · Costs
POINTS1.0
Closing costs
TOTAL$8,410
Loan terms
P&I$2,433

Buying a home · Got a quote?

Got a mortgage quote? Don’t say yes yet.

A lender gave you a rate on your home loan — the paperwork calls it a Loan Estimate. Before you go with them, an AI agent checks whether another lender would beat it. Free, no credit pull, and nobody gets your phone number.

FREE · NO CREDIT PULL · ANONYMOUS UNTIL YOU OPT IN

Scroll — the whole story
Your quote · unreviewed
01 — The quote

Three pages. One question: is it good?

You got a Loan Estimate. The rate looks okay, the fees are a blur, and the lender says it’s competitive. You have days — not weeks — to find out if that’s true.

02 — The upload

Drop it in. We read every line.

Upload your Loan Estimate — or just type in the numbers. Your agent pulls out the rate, the points, and every fee on page 2. No credit pull, and nothing leaves the room.

03 — Your agent

One agent, on your side of the table.

It’s assigned to your loan alone. It works out what this quote really costs — monthly, up front, over 30 years — and where it’s strong or soft. Now it knows exactly what would beat it.

04 — Anonymous shopping

Your agent goes to market. You don’t.

It compares your quote against current pricing across the participating lender network — profile shape only, never your name or number. Nobody gets a phone number. Nobody calls. Your current quote stays on the table.

05 — The verdict

One honest answer, either way.

If your quote is the best out there, your agent tells you to sign it — and gets out of your way. If something beats it by enough to matter, you see exactly what, and by how much, with the math already done.

06 — Your call

Nothing is shared until you say yes.

The match comes with the why: rate, points, fees, side by side. Want an official Loan Estimate to put next to yours? Say yes and we connect you. Say no, and no lender ever learns your name.

Is 6.625% actually good?
1 point — fair?
$8,410 in fees?
Illustrative example
Loan Estimate
30-YR FIXED · PURCHASEPAGE 1 OF 3
Loan amount$380,000
Interest rate6.625%
Monthly P&I$2,433
Costs at closing
Points (1.0)$3,800
Closing costs$8,410
Rate6.625%
Points1.0 · $3,800
Loan amount$380,000
Monthly P&I$2,433
Closing costs$8,410
Your agent
assigned to this loan only
BUILDING YOUR POSITION
Rate check
6.625% vs this week’s typical 30-yr
Runs high
Cost of the points
1.0 point due at closing
$3,800 up front
Fee scan
Origination + third-party, line by line
2 lines worth questioning
True cost
P&I $2,433/mo across 30 years
≈ $876,000 lifetime
Lender A
6.375% · 0.9 pt
Lender B
6.500% · 0.4 pt
BEST
Lender C
6.125% · 0.6 pt
Lender D
6.750% · 0 pt
Lender E
6.625% · 0.8 pt
Profile shape only
$380k · 30-yr fixed
740+ · primary home
YOUR NAME · YOUR NUMBER · YOUR ADDRESS — NEVER SENT
QUOTE REVIEW · ILLUSTRATIVEDAY 1
Your quote
Rate6.625%
Points1.0
P&I$2,433/mo
The match
Rate6.125%
Points0.6
P&I$2,309/mo
−$0/mo

$0 less up front · ≈ $0 over the life of the loan

✓ Beats your quote

If nothing had beaten it: “Sign it — your quote is solid.”

EXAMPLE ALERT · ILLUSTRATIVE9:42 AM

A lender beats your quote by $124/mo.

6.125% + 0.6 points, against the 6.625% + 1 point you were quoted — same loan, fees compared line by line. Want to request an official Loan Estimate to put next to yours?

THEIR RATE6.125%
MONTHLY−$124
POINTS0.6
UP FRONT−$1,520

No credit pull

The check uses the numbers on your quote. Your FICO never knows we exist.

Anonymous by default

Lenders see a profile shape — never your name or number — until you opt in.

Free, actually

No card, no trial, no premium tier. The service costs you nothing.

Your quote stays live

Comparing cancels nothing. Your current lender keeps working your file the whole time.

How we make money

You never pay, and we never sell your contact information. Our model: participating lenders pay a flat monthly subscription to be part of the network — not per lead, not per closed loan. Payment never decides which offer ranks first; comparisons use neutral mortgage math only.

Before you say yes to your lender

You’ll pay this loan for 30 years. Spend three minutes checking it.

Check my mortgage quote

Free · No credit pull · Anonymous until you opt in