Done-For-You Audit · $79
We Audit Your Loan Estimate and Write the Email That Cuts Your Closing Costs
Upload your Loan Estimate. In under 24 hours an expert audits every line — flagging the junk fees and markups lenders bury in Section A — and writes the exact counter-offer email for your loan officer. You send it. You keep the savings.
Report in under 24 hours · Success fee capped at $300 · Under $250 found, your $79 back
Why an audit is worth $79
Closing costs usually run from about 2% to 5% of your loan amount, according to Fannie Mae. On a $400,000 mortgage that is $8,000 to $20,000 — and the part you can actually control is the lender fees in Section A of page 2 of your Loan Estimate. Lenders are not required to itemize which of those charges are real work and which are padded. You can't negotiate what you can't name. A $79 audit names them, line by line, and hands you the words to ask for them back.
What the $79 audit delivers
Line-by-line fee audit
Every page of your Loan Estimate reviewed — Section A origination charges, Section B markups, credits, and prepaids — with each junk fee and unearned charge flagged.
Counter-offer email
A custom email written for your loan officer that names the specific fees to remove or reduce and the reason each one is unjustified. Copy, paste, send.
Under 24 hours
Upload your Loan Estimate and your audit lands in your Buyer Portal within a day — no phone calls, no waiting on a scheduler.
Refund guarantee
If we find under $250 in savings, your full $79 deposit is refunded. We only get a success fee when we actually save you money.
Have your Loan Estimate handy? Upload it and your audit starts today.
Upload My Loan Estimate — $79Want the method first? see exactly how we audit your Loan Estimate.
Also useful: what closing costs actually cover and the junk fee checklist.
How it works
- 1
Upload your Loan Estimate
Start on the homepage intake and drop in the PDF or screenshot your lender sent. That is all we need to audit it.
- 2
Pay the $79 deposit
Your deposit locks in the audit and is credited 100% toward your success fee.
- 3
We audit every line
An expert reviews Section A origination charges, Section B markups, credits, and prepaids, and documents each fee worth challenging.
- 4
Get your audit in under 24 hours
Findings, documented savings, and your counter-offer email appear in the Buyer Portal.
- 5
Send the email, keep the savings
Send the counter-offer email to your loan officer. Pay the success fee only if we saved you money.
What it costs
Locks in your audit. Credited 100% toward the success fee.
Only when we find savings — never charged on a refund.
The total fee is capped, no matter how much we save you.
Under $250 in savings found and your full $79 deposit is refunded — so the audit either pays for itself or costs you nothing.
Audit FAQ
What exactly do I upload?
Your Loan Estimate — the standardized form every lender must send within three business days of your application. A PDF is ideal; a clear screenshot works too. The lender fees live in Section A.
Is $79 the total price?
$79 is the deposit that starts your audit. It is credited 100% toward a success fee of 10% of the savings we document, capped at $300 total. If we find under $250 in savings, the $79 is refunded in full.
How fast do I get the audit?
Within 24 hours of your deposit clearing. Your findings, the documented savings amount, and your counter-offer email appear in the Buyer Portal — no call required.
What are junk fees on a Loan Estimate?
Junk fees are lender charges that cover little or no real work — processing, underwriting, application, document preparation, courier, and administration fees stacked in Section A of your Loan Estimate. They are set by the lender, not by law, which is exactly why they can be negotiated or removed.
Can closing costs actually be negotiated?
Yes. Lender-controlled charges in Section A, and the services you are allowed to shop for in Section C, are negotiable. Third-party costs such as transfer taxes and recording fees are not. The audit separates the two so you only ask for what a lender can realistically give.
What if my loan officer ignores the email?
The counter-offer email names specific fees and the reason each is unjustified, which is hard for a lender to dismiss without explanation. You can also compare it against a competing lender's Loan Estimate. If we find under $250 in savings, your deposit is refunded.
Stop paying lender fees you can't justify.
Upload your Loan Estimate, get a line-by-line audit in under 24 hours, and send the counter-offer email that asks for the junk fees back. It starts at $79.
Start My $79 Audit Already have an audit? View it in the Buyer Portal