Frequently asked questions
Short, honest answers. Still stuck? Contact us.
Is it free?
Yes. We take no money from lenders and don't sell your data, so you're the customer — not the product.
Do I need an account or to upload my documents?
No. No sign-up, nothing to upload. You read a few numbers off your own forms and type them in — we show you exactly where to find each one.
Where does my information go?
Nowhere. The review runs in your browser; the numbers you type are never stored or sent anywhere. See why we never sell your data.
Is it normal for my numbers to change?
Some change is normal; some isn't. Certain fees generally aren't supposed to increase. Home Advocate tells you which changes are worth asking about.
Do you work for my lender?
No. We're independent — no lender pays us, and we never sell your data. We work for you.
Is this legal or financial advice?
No. We help you understand what changed and ask better questions. For advice on your situation, talk to your lender, a licensed attorney, or a HUD-approved housing counselor.