Free Loan Estimate Review
Not Sure If You're Getting the Best Deal?
Upload your Loan Estimate and I'll give you an honest second opinion — no strings attached. Most people don't realize how much they could save just by having someone else take a look.
Best for: anyone with a Loan Estimate who wants to make sure they're getting the best deal
How It Works
Three simple steps. No obligation. No sales pitch.
Upload Your Loan Estimate
Snap a photo or upload the PDF you received from your lender. Don't worry about formatting — I've seen them all.
I Review It Personally
Within 24 hours, I'll analyze your rate, fees, loan type, and closing costs. No bots, no AI — just me and a cup of coffee.
Get Your Custom Breakdown
I'll reach out with a clear, jargon-free breakdown of what I found — and whether I think you can do better.
Your Information Is Safe With Me
Secure & Private
Your Loan Estimate and personal details are transmitted securely and never shared with third parties. I'm the only one who sees your file.
Deleted After Review
Your uploaded documents are permanently deleted within 30 days of review — or sooner upon request. I don't keep files around.
For Review Purposes Only
This is an educational review, not a loan application. Submitting your Loan Estimate does not create a lender-borrower relationship or trigger a credit check.
Upload Your Loan Estimate
I'll personally review it and get back to you within 24 hours.
What Happens Next?
I receive your Loan Estimate
Your file lands securely in my inbox. I'll review it personally — no bots, no assistants.
I analyze your rate, fees, and terms
I compare what you were offered against what I can access across 150+ lenders. I'll look for savings, red flags, and better-fit programs.
You hear from me within 24 hours
I'll reach out via email or phone with a clear, jargon-free breakdown. If your current deal is solid, I'll tell you that too.
What I Look For
Here's exactly what I'll review when I go through your Loan Estimate.
Interest Rate & APR
Are you getting a competitive rate for your credit profile and loan type?
Lender Fees
Origination charges, underwriting fees, and processing costs can vary wildly between lenders.
Third-Party Costs
Title, escrow, and insurance — I'll flag anything that looks inflated.
Loan Program Fit
Are you in the right loan product? Sometimes a different program saves thousands.
Credits & Points
Lender credits and discount points can shift the math significantly. I'll make sure they add up.
Long-Term Cost
Monthly payment is just one piece. I look at the total cost over the life of the loan.
"I review every Loan Estimate personally. No sales pitch — just an honest look at whether you're getting a fair deal. If your current lender is the best option, I'll tell you that too."
— Matt Mayo
150+
Lending Partners
30
States Served
5
Google Rating
24hr
Response Time
Common Questions
Is this really free?
Yes, 100%. No obligation, no bait-and-switch. I do this because I believe everyone deserves to know if they're getting a fair deal.
Will you try to sell me a loan?
Not unless you want me to. If I see a better option, I'll let you know — but the decision is always yours.
What is a Loan Estimate?
It's a standardized 3-page document every lender is required to give you within 3 business days of your application. It breaks down your loan terms, projected payments, and closing costs.
What if I already locked my rate?
You can still get a second opinion. Even after locking, it helps to understand whether your terms are competitive — and in some cases, you may be able to renegotiate or switch lenders before closing.
How long until I hear back?
I personally review every submission within 24 hours. You'll hear from me directly — not a bot, not an assistant.
Already Have a Loan Estimate?
Upload it above and I'll take a look. Or if you want to start fresh, take the quiz to find your best loan option.