DIY Audit Toolkit — run the lender fee audit yourself for $79
One payment (regularly $99) unlocks the same method our audit team uses: the Lender Fee Shield dashboard, the junk-fee identifier, and the negotiation emails that ask your loan officer to remove padded Section A charges. No subscription, no success fee, and a $250 Savings Guarantee.
What's inside
Lender Fee Shield dashboard
Your working surface. Enter each charge from your Loan Estimate and the dashboard sorts it into negotiable lender fees, shoppable services, and fixed third-party costs.
“How to Get the Best Loan” guide
The full step-by-step audit playbook — what to ask for before you apply, what to compare between lenders, and how to read pages 2 and 3 of the Loan Estimate.
Junk-fee identifier
A line-by-line reference for processing, underwriting, application, document prep, courier and administration fees, with the typical range for each so padding is obvious.
Negotiation email templates
Copy-paste emails addressed to your loan officer that name the fee, the amount to remove, and the reason it is unjustified — the same language we ghostwrite for audit clients.
Full Closing Cost Guide
Every line on a closing disclosure explained in plain English, so you know which costs are real and which ones are the lender's choice.
$250 Savings Guarantee
If the toolkit does not surface at least $250 in negotiable lender charges on your own Loan Estimate, request a full $79 refund within 14 days.
How the self-serve audit works
Five steps, start to sent email. Nothing waits on us — you get access the moment your payment clears.
- 1
Buy the toolkit ($79)
Checkout runs through Stripe on this page. One payment, no subscription, and your access never expires.
- 2
Sign in with your email
Use the same email you paid with to sign in. Your purchase unlocks the Lender Fee Shield dashboard and every guide on your account.
- 3
Run the fee analysis in the dashboard
Enter the charges from Section A, B and C of your Loan Estimate. The dashboard splits them into lender-controlled fees you can push back on, services you can shop, and fixed costs nobody can waive.
- 4
Identify the junk fees
Compare each lender charge against the identifier's typical ranges to catch duplication and padding — the same task billed twice under two names, or a flat fee covering overhead. Total what's recoverable.
- 5
Send the negotiation emails
Drop your flagged fees into the email template, send it to your loan officer, and negotiate directly. You keep 100% of whatever comes off — there is no success fee.
Want our team to do all of this for you instead? The Done-For-You Audit is a $79 deposit plus a 10% success fee capped at $300.
What it costs
$79 $99
One-time. No subscription, no success fee, no add-ons required. You keep everything you negotiate off your closing costs.
$250 Savings Guarantee: if the toolkit does not surface at least $250 in negotiable lender charges, request a full refund within 14 days under the published eligibility terms.
Not sure the toolkit fits your loan? Ask first.
Send your question and a few details. We read every inquiry ourselves and reply by email — usually the same day — before you spend the $79.
Toolkit FAQ
What do I get for the $79?
Permanent access to the Lender Fee Shield dashboard, the “How to Get the Best Loan” audit guide, the line-by-line junk-fee identifier, copy-paste negotiation emails for your loan officer, and the full Closing Cost Guide. One payment — no subscription and no success fee.
How is this different from the Done-For-You Audit?
Same method, different hands. With the toolkit you run the fee analysis yourself and keep 100% of what you negotiate. With the Done-For-You Audit our team reads your Loan Estimate and ghostwrites your counter-offer letter for a 10% success fee capped at $300.
What is the $250 Savings Guarantee?
Work through the toolkit on your own Loan Estimate. If it does not surface at least $250 in negotiable lender charges, email us within 14 days and we refund the full $79 under the published eligibility terms.
How long does it take to run the analysis myself?
Most buyers finish in 30 to 45 minutes. The dashboard walks you through Section A, Section B and Section C of your Loan Estimate one block at a time, so you are never guessing which charges are negotiable.
Do I need my Loan Estimate before I buy?
No. You can buy the toolkit and read the guides while you are still shopping lenders — that is often when it helps most. The fee analysis itself needs the Loan Estimate your lender sends within three business days of your application.
Audit your own lender fees this week.
$79 once, yours permanently, backed by the $250 Savings Guarantee.
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