Got a mortgage offer?
Find out if it’s a good deal.
Upload your Loan Estimate. 30+ lenders compete for your business on rate and fees.
Free. No obligation. One credit pull.
The TRU Test in 5 steps.
Less guesswork. A clearer comparison of rates and closing costs.
Upload your Loan Estimate
It’s the 3-page form every lender must send within 3 business days after you apply. Send all three pages as a PDF or clear photos, and black out your Social Security number.
Check the rate & payment
Page 1 shows your interest rate, monthly payment and whether the rate is locked (held for a set number of days). Also look for a prepayment penalty: a fee for paying the loan off early.
Check the lender’s fees
Page 2, Section A is what the lender charges you: points, origination, processing and underwriting. It’s the part lenders actually compete on. Lender credits (Section J) lower your costs.
Compare 30+ lenders
We shop the same loan, on the same terms, with 30+ lenders. One application, one credit pull. You see whether anyone offers a lower rate, lower fees, or both.
Pick the best deal
If a better option shows up, apply with us online and request a rate lock. If your current offer is the better deal, we’ll tell you to keep it.
Does your offer pass the TRU Test?
We look for a better available option. If your current offer holds up, you can keep it with more confidence.
Free review. No obligation. No guaranteed savings.
Is the lowest mortgage rate always best?
No. Compare upfront costs, lender credits and monthly payments against how long you expect to keep the loan.
Why can cash to close differ?
Fees, credits and tax, insurance or prepaid assumptions may differ. Check the reason for each change.
Does the review approve my loan or lock a rate?
No. The comparison is preliminary. Eligibility, underwriting and a confirmed rate lock are separate steps.
About the demo & sources
Fictional $330,000 purchase; 10% down; $297,000 loan; 30-year fixed at 7.875%. Principal and interest: $2,153.46 monthly. Taxes, insurance, mortgage insurance and HOA dues are additional.
One point: $2,970. Processing: $1,250. Underwriting: $900. Section A total: $5,120; other closing costs are additional.