Know which lender fees are worth questioning.
Get a clear, line-by-line review of your Loan Estimate, an annotated report, and a ready-to-send email for your lender—in under 24 hours.
- $79 starting deposit
- Maximum total fee: $300
- Deposit credited to final fee
Illustrative review
Loan Estimate · Page 2
Duplicate Charge Found!
Flagged in your annotated review
$175
Extra Fee Eliminated!
Addressed in your lender email
$495
Money Saved!
Your potential savings summarized
$1,250
Annotated audit
Line by line
Lender email
Ready to send
Private document handling
Your estimate is never made public.
Automatic document deletion
Files are removed after the audit window.
Independent guidance
We do not work for your lender.
Clarity before you commit
A simple review designed for the short window between receiving an estimate and locking your loan.
- STEP 1
Upload securely
Send your official Loan Estimate and a few loan details through our private intake.
About 2 minutes - STEP 2
We review each charge
We evaluate lender-controlled charges and flag items that may deserve clarification or negotiation.
Delivered under 24 hours - STEP 3
Take the next step
Receive your annotated report and a clear, ready-to-send email you can review before contacting your lender.
You stay in control
The details that are easy to miss
Your Loan Estimate contains lender-controlled and third-party charges. We help you understand which items merit a closer look.
Overlapping charges
Processing, document preparation, application, and administrative charges that may cover similar work.
Third-party services
Fees for services ordered through the lender, including credit, appraisal, title, and settlement items.
Time-sensitive questions
A concise list of questions to raise before your rate lock or closing timeline limits your options.
Choose the level of help you want
Use the guided toolkit yourself or have us prepare the review and lender email for you.
DIY Audit Toolkit
One-time access
- Instant access to the Lender Fee Shield dashboard
- “How to Get the Best Loan” step-by-step audit guide
- Line-by-line junk fee identifier guide
- Copy-paste negotiation email templates for your loan officer
- Full Closing Cost Guide
- 14-day refund eligibility under the published terms
Done-For-You Audit
Retainer + Contingency
How it works
Your $79 deposit starts the review and is credited toward a 10% performance fee based on verified savings. Your total fee will never exceed $300.
- Full Loan Estimate expert audit
- Line-by-line Section A & B charge analysis (under 24h turnaround)
- Custom ghostwritten counter-offer email tailored to your loan officer
- Full Closing Cost Guide
- $79 deposit applied 100% toward the final 10% performance fee
- Max fee capped at $300
- Refund eligibility if under $250 in potential negotiable charges is identified
Book a 1-on-1 support call — $75 for up to one hour
After you activate the toolkit, schedule a live appointment inside your dashboard for personal guidance on your Loan Estimate, audit findings, or lender counter-offer.
Questions, answered clearly
What we review, what you receive, and how your documents are handled.
Every lender-controlled line on your Loan Estimate: origination charges, application and processing fees, underwriting, document prep, courier and admin charges, plus third-party services the lender orders on your behalf. We flag what's inflated, duplicated, or unearned and show you what it should cost.
The $79 DIY Audit Toolkit gives you guided tools and email templates to review the estimate yourself. The Done-For-You Audit begins with a $79 deposit; we prepare the line-by-line review and a custom lender email for you.
Your $79 deposit is credited toward a 10% performance fee based on verified savings. Your total fee is capped at $300, and your report explains the items included in the calculation.
Expert audits are delivered in under 24 hours from the time we receive your full Loan Estimate and deposit. You'll get an annotated report plus a pre-written counter-offer email ready to send your loan officer.
If the audit identifies under $250 in potential negotiable lender charges, you may request a refund within 14 days, subject to the eligibility requirements in our published refund terms.
Your official Loan Estimate. PDFs are ideal, but clear photos or scans of each page work too. You can upload multiple files.
All major credit and debit cards through Stripe, our secure payment processor. Apple Pay, Google Pay, and Link may also appear depending on your browser. We never store your card details.
Uploads are kept in private, access-controlled storage and are not public. Payments are processed by Stripe; we do not store your full card number. Loan Estimate files are deleted after the audit and refund-eligibility window unless retention is legally required.