Stop letting lenders & agents eat your home equity.
Spend $99 once. Save an average of $32,000 over the life of your loan.
One flat payment of $99 unlocks every feature — the Lender Fee Shield, Agent Negotiator, Rate Buydown Engine, and the full Negotiation Playbook. No tiers, no upgrades, no subscription. Pay once, keep it for life.
Three steps to a cheaper closing
No spreadsheets, no calls, no guesswork. Follow the order and the savings show up on your closing statement.
- STEP 01
Collect three Loan Estimates
Use our request scripts to pull competing estimates from three different lenders — the only way to see what fees are really negotiable.
~15 minutes - STEP 02
Run the Fee Shield & scripts
We flag the junk fees line by line, then hand you the exact wording for your lender and agent — including the 1.5% rebate ask.
Same day - STEP 03
Generate your Closing Directive
One PDF you bring to the closing table: what to cut, what to buy down, and what you should be handed back at signing.
Instant PDF
The true cost of ignorance vs. the power of strategy
Adjust the numbers below to see how much the Shield saves on any loan.
The Unprepared Buyer
Default mode- Accepts standard rate with no negotiationMissed savingspays full lender costs
- Pays hidden lender admin feesHidden feeburied in closing docs
- Gets $0 back from their agentLost rebatedidn't know they could
The MyHomeBuyerWise Strategy
Shield active- Audits fees & negotiates a 1.5% agent rebateRebate capturedreinvested into points
- Buys down the rate with the rebateRate buydowneffective rate 6.000%
- Keeps the monthly savingsWealth keptfor the full loan term
Why you get taken advantage of
Three quiet secrets the closing table doesn't want you to know.
The Invisible Fees
Lenders hide junk fees in 40-page PDFs knowing you are too excited to read them. Our Fee Shield isolates and highlights them in red instantly.
The Agent Taboo
Most buyers don't know agent commissions are legally negotiable. We give you the exact scripts to get thousands back at the closing table.
The Interest Trap
A 1% difference in your mortgage rate can cost you over $70,000. We show you how to force the seller or agent to buy down your rate for you.
Book a 1-on-1 support call — $75 for up to one hour
After you activate the Shield, schedule a live appointment inside your dashboard for personal guidance on your Loan Estimate, agent scripts, or buydown math.
Rate Watch — $14/month, cancel anytime
Your rate isn't final. We track the market against your locked rate and email you the exact month a refinance pays for itself — with the buydown math and fee shield already re-run on your loan. Optional add-on; it is not required for the $99 toolkit.
Estimate your return in real time
Adjust your numbers below. Every figure updates instantly, including your expected discount off quoted closing costs.
Estimates only — actual results depend on your lender, agent, and market.
See exactly how much you keep
Drag your estimated home price to watch the savings update.
Buyers who outsmarted the closing table
Join thousands of homeowners who used the HomeBuyer Shield to keep equity in their pocket — not on the closing statement.
“The Fee Shield caught $2,400 in duplicate charges my lender had buried on page 37. I walked into closing knowing exactly what to challenge.”
One price. Everything unlocked.
There are no tiers, add-ons, or monthly fees to reach the full toolkit. A single $99 payment unlocks all four steps of the HomeBuyer Shield, permanently.
- Lender Fee Shield — junk-fee audit
- Agent Negotiator — 1.5% rebate scripts
- Rate Buydown Engine — lower your rate
- Negotiation Playbook — exact wording
Everything you need to know about the $99 unlock
Simple, transparent pricing with no surprises.
A single $99 payment unlocks the complete HomeBuyer Shield toolkit: the Lender Fee Shield, Agent Negotiator, Rate Buydown Engine, and the full Negotiation Playbook. You get permanent access to every feature, script, and calculator with no additional unlocks required.
The HomeBuyer Shield is a one-time purchase of $99. There are no monthly charges, no recurring subscription fees, and no hidden tiers. You pay once and keep it for life.
Everything in the core toolkit is included. Optional add-ons — a 1-on-1 support call for $75 and the Rate Watch monthly refinance alert service for $14/month — are completely optional and never required to use the main toolkit.
After your payment is confirmed, you'll return to MyHomeBuyerWise and the dashboard unlocks automatically. You can download the Closing Directive PDF and use every calculator and script right away. Bookmark the page for easy access.
We guarantee the HomeBuyer Shield will map out at least $500 in savings. If it doesn't, you can request a full $99 refund within 14 days of purchase. You must upload three separate estimates from three different lenders as proof of use. Full terms are at the bottom of this page.
All major credit and debit cards are accepted through Stripe, our secure payment processor. Apple Pay, Google Pay, and Link may also appear depending on your browser and location. We never store your card details.
Yes. When you activate, you select the state where you are buying. We automatically configure the dashboard for state-specific compliance, including areas where agent rebates are restricted and seller concessions are the recommended path.
Yes. Payments are processed through Stripe with PCI-compliant encryption. Your personal information is never sold or shared, and the dashboard is served over HTTPS with industry-standard security.
100% refund if the HomeBuyer Shield doesn't map out at least $500 in savings.
If you complete the dashboard steps and don't find at least $500 in savings, we'll refund your full $99 within 14 days of purchase. You must upload three separate estimates from three different lenders. If your uploaded estimates show $500 or more in savings, your refund request will not be approved.
- Exact refund terms
- • Refund amount: your full $99 purchase price.
- • Request window: within 14 days of your purchase.
- • Refund method: back to your original payment method within 5–10 business days.
- • One refund per purchase; abuse or duplicate requests will not be honored.
- • Three separate estimates from three different lenders must be uploaded.
- • No refund if your uploaded estimates show $500 or more in savings.
- Eligibility checklist
- ✓ Purchase the $99 HomeBuyer Shield.
- ✓ Complete the dashboard steps in order: Fee Shield, Negotiator, Buydown Engine.
- ✓ Apply at least one provided script or fee audit to your actual purchase.
- ✓ Upload three separate estimates from three different lenders.
- ✓ Submit your refund request with proof of use before the 14-day deadline.
- ✗ Refund requests are denied if your uploaded estimates show $500 or more in savings.
Proof of use: To prevent abuse, we require you to upload three separate estimates from three different lenders, plus a screenshot or upload showing you completed the steps and applied them (for example, your Loan Estimate showing fees challenged, or a written agent response to one of our scripts). Refunds without all three lender estimates cannot be processed. If the uploaded estimates show savings of $500 or more, your refund request will not be approved.