Pricing
One price, no tiers, no surprises
Three ways to stop overpaying on lender closing costs: a done-for-you audit, a self-service fee-analysis toolkit, and post-close Rate Watch. Every number is listed below — including the cap.
Done-For-You Audit
Retainer + Contingency
- Full Loan Estimate expert audit, line by line
- Section A & B markup analysis delivered under 24h
- Custom ghostwritten counter-offer email for your loan officer
- $79 deposit applied 100% toward a 10% success fee
- Maximum fee capped at $300, no matter the savings
- Under $250 found? Full $79 deposit refunded
DIY Audit Toolkit
Run the fee analysis yourself
- 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
- $250 Savings Guarantee — or a full $79 refund
Rate Watch
Post-close rate monitoring
- We track the market against your locked rate after closing
- Email alert the month a refinance pays for itself
- Net-cost-of-closing analysis across your remaining term
- Pause or cancel any month by replying to any email
What you pay, in plain numbers
| Plan | Upfront | Success fee | Who runs the audit |
|---|---|---|---|
| Done-For-You Audit | $79 deposit | 10%, capped at $300 (deposit credited) | Our team |
| DIY Audit Toolkit | $79 one-time | None | You, with our tools |
| Rate Watch | $14/mo | None | Ongoing monitoring |
Rate Watch is an optional add-on after you close — it is never required to start either audit, and you can cancel it any month.
Pricing questions, answered
Is the $79 a subscription?
No. Both the Done-For-You Audit and the DIY Audit Toolkit are one $79 payment. The only recurring charge is Rate Watch at $14/month, and you can cancel it anytime. There are no tiers, add-ons, or monthly fees required to reach the full audit.
What is the success fee on the Done-For-You Audit?
Your $79 deposit is credited 100% toward a success fee of 10% of the savings we document, capped at $300 total no matter how much we save you. Average savings run $1,500–$2,500, so the typical final fee is $150–$300 minus your $79 deposit. If we find under $250 in savings, your full $79 deposit is refunded.
What is the difference between the Done-For-You Audit and the DIY Audit Toolkit?
Done-For-You: our team reads your Loan Estimate line by line and ghostwrites your counter-offer letter — you pay the deposit plus a success fee only if we save you money. DIY Toolkit: you run the same analysis yourself with the Lender Fee Shield dashboard, the audit guide, the junk-fee identifier, and copy-paste negotiation emails — one $79 payment, no success fee.
Do I need Rate Watch to get my audit?
No. Rate Watch is an optional add-on that monitors the market against your locked rate after you close and emails you the month a refinance pays for itself. It is never required for either audit, and you can cancel it any month.
Can I get the DIY Toolkit and add Done-For-You later?
Yes. The toolkit lets you run the fee analysis yourself immediately. If you would rather hand it to our team, start a Done-For-You Audit any time with the $79 deposit — the two are separate purchases.
Is my payment secure?
Every payment runs through Stripe's 256-bit encrypted checkout. We never see or store your card details, and your Loan Estimate is stored privately behind email verification — never sold or shared with lenders.
Ready to see your own fee breakdown?
Upload your Loan Estimate, pick your plan, and your findings and counter-offer letter appear in your Buyer Portal.