Three steps. About a minute.
No account, no upload — just a few numbers you read off your own forms.
- 01
Enter a few numbers
Read them straight off your two forms — we show you exactly where each one is.
- 02
See what changed
Every change explained in plain English — and what it really costs.
Example findingLoan Estimate6.25%Closing Disclosure6.5%Why it mattersThat 0.25% increase adds about
$18,000over the life of a $300,000 loan.
Ask your lender“Can you explain why my interest rate changed?”
- 03
Ask with one click
We write the message to your lender for you. Copy, send, done.
The details, for the curious
Trust requires showing our work. No black boxes.
The comparison is deterministic code — not AI guesswork
Fixed, tested rules compare each value on your Loan Estimate to the same value on your Closing Disclosure. The same inputs always produce the same result. We never let a language model do arithmetic or decide what's wrong, and your numbers are never sent to any AI service.
The money math is exact
- Monthly principal & interest uses the standard amortization formula — M = P · r(1 + r)ⁿ ⁄ ((1 + r)ⁿ − 1) — computed in whole cents to avoid rounding drift.
- The cost of a rate change compares total lifetime interest at your old rate versus your new one on the same loan — that's where figures like the $18,000 above come from.
An automated test suite checks these against known values, so they can't quietly drift.
Fees are checked against federal tolerance rules
Federal rules (known as TRID) limit how much certain charges may rise between your two forms: what your lender charges to make the loan generally can't increase at all without a valid reason, and certain other fees may rise only about 10% as a group. When a charge looks like it rose more than allowed, we don't declare a violation — we explain it plainly and hand you the exact question, because you may be owed the difference back.
Everything is labeled and sourced
Each result says whether a value came from the numbers you entered or was calculated by us, and points to where it lives on your forms. The “Information reviewed” figure shows how complete your review was — a measure of coverage, never a rating of your loan.
What we can't do
We can only review what you enter, and we don't give legal or financial advice. For anything important, confirm with your lender, a licensed attorney, or a free HUD-approved housing counselor.