Know exactly how your counter-offer letter is built — before you pay $79
You should not have to take a stranger's word for what your closing costs should be. So here is the whole method: what we read, which charges we challenge, what we refuse to claim, who sees your documents, and exactly what the fee is. If any of it does not hold up, do not pay us.
The six standards every audit follows
Read line by line, never sampled
Every fee line on your Loan Estimate is worked through in order — Sections A, B, C, E, F and G — so nothing gets skipped because it looked small.
Only real, negotiable charges
Lender-controlled fees and shoppable services get challenged. Government recording and transfer taxes, per-diem interest, and true insurance premiums do not, because inflating those makes you look uninformed to a loan officer.
Every number traceable to your document
Amounts in your letter come off your own disclosure. No industry averages dressed up as your fees, no invented savings figure.
Unreadable means held, not guessed
If an upload is blurry, partial, or is not actually a Loan Estimate, the audit goes to review and we contact you — instead of shipping a confident letter built on nothing.
You see the whole audit before you send it
Findings, section-by-section recoverable totals, the full letter text, and the PDF all sit in your Buyer Portal. Nothing goes to your lender unless you send it.
Your file stays yours
Documents live in private storage behind email verification and short-lived links. We never share your Loan Estimate with lenders or sell your data.
What we will and will not say about your fees
- Name the specific fee, section, and dollar amount from your disclosure.
- Give a realistic negotiation target, not the full fee, when only part is winnable.
- Tell you when your Loan Estimate is already competitive and there is little to recover.
- Write the letter in language a loan officer takes seriously.
- Promise a savings amount before reading your document.
- Call government recording fees or per-diem interest "junk."
- Invent a market average and present it as your quote.
- Contact your lender, agent, or title company on your behalf.
A sample counter-offer letter
This is the shape of what lands in your portal and inbox — yours arrives with your lender, your fee lines, and your real amounts filled in. Placeholders below are illustrative only.
Subject: Loan Estimate dated [date] — request to revise closing costs Hi [Loan Officer], Thanks for sending the Loan Estimate. Before I lock, I'd like to go through a few line items in Sections A and C. 1. Underwriting fee — $[amount] (Section A). This is a lender-controlled charge. I'm asking that it be waived or reduced. 2. Document preparation fee — $[amount] (Section A). I'd like this removed or itemized against an actual service. 3. Title services — $[amount] (Section C). These are shoppable, and I have a competing quote at $[amount]. Taken together I'm asking for a reduction of about $[total], either as lowered fees or as a lender credit at closing. I'm ready to move forward as soon as we get a revised Loan Estimate. Thanks, [Your Name]
What the $79 actually buys
Deposit to start the audit. Credited in full against any success fee.
Success fee on documented savings, capped at $300 — and reduced by your deposit.
Target turnaround from a readable upload to a finished letter in your portal.
Questions buyers ask before paying
Who actually writes the counter-offer letter?
Every letter is produced from your own Loan Estimate — the fee lines, dollar amounts, and lender name are read off the document you uploaded, never assumed. If any page is unreadable, or the numbers do not reconcile, the audit is held for human review instead of being delivered with guesses in it.
Are you a lender, broker, or law firm?
No. MyHomeBuyerWise is not a mortgage lender, broker, financial advisor, or law firm, and we do not provide legal, tax, or financial advice. We read the disclosure you were already given and tell you which charges are commonly negotiable. You send the letter, and your lender decides.
What do you base 'negotiable' on?
The Loan Estimate's own structure. Section A origination charges are the lender's own fees. Section B is services you cannot shop for, Section C is services you can shop for, Section E is government recording and transfer taxes, and Sections F and G are prepaids and escrow. We challenge lender-controlled and shoppable charges. We do not pretend recording taxes, per-diem interest, or a real insurance premium are negotiable.
Can you guarantee my lender will drop the fees?
No, and anyone who guarantees that is selling you something. We document what is negotiable and give you the exact language to ask. The success fee only applies to savings you actually get, and your $79 deposit is credited against it.
What happens to my documents?
Your Loan Estimate is stored in private storage, is never sold or shared with lenders, and is only reachable through short-lived signed links inside your own Buyer Portal after you verify your email with a one-time code.
Ready to see your own fee breakdown?
Upload your Loan Estimate, pay the $79 deposit, and your findings and counter-offer letter appear in your Buyer Portal.