Stop Overpaying on Lender Closing Costs.
Getting the right loan makes all the difference. Upload your full Loan Estimate and we'll show you how to get the best loan — scanning for junk fees, markups, and unearned lender charges, then writing the exact counter-offer email for you to send your loan officer.
How To Get The Best Loan In 4 Simple Steps
Getting the right loan makes all the difference to your financial future.
- STEP 01
Upload your Loan Estimate
Send all 3 pages of your official Loan Estimate and pay the $79 deposit to lock in your audit slot.
2 minutes - STEP 02
We audit every line item
Our team reviews your lender charges for markups, junk fees, and negotiable items — within 24 hours.
< 24 hours - STEP 03
You get the counter-offer email
We send an annotated audit report plus a custom, pre-written counter-offer email to send your lender.
Ready to send - STEP 04
Pay 10% of verified savings
Capped at $300 total, with your $79 deposit credited. Under $250 in savings found? Your deposit is refunded.
Capped at $300
Where lenders quietly pad your Loan Estimate
Getting the right loan makes all the difference — and it starts with reading page 2 correctly.
Junk & duplicate fees
Processing, courier, document prep, application, and admin charges that duplicate work you're already paying for elsewhere on the estimate.
Third-party markups
Services the lender orders on your behalf are frequently marked up above cost. Section B and C are where the padding hides.
The pressure window
Most buyers get their estimate days before signing and never ask. Lender fees are negotiable — but only if you counter before you lock.
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 audit caught $2,400 in duplicate lender charges buried on my estimate. My loan officer removed every one of them.”
The right loan matters — pick how you want the audit done
Do it yourself with our toolkit, or hand your Loan Estimate to our team and pay only from what we save you.
DIY Audit Toolkit
Limited Launch Sale
- 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 full $79 refund)
Done-For-You Audit
Retainer + Contingency
How it works
Because getting the right loan matters, your $79 deposit locks in a complete expert audit and applies directly to your 10% fee. Average savings range from $1,500 to $2,500 (typical final fee of $150–$300, minus your $79 deposit). Maximum fee is capped at $300, no matter how much we save you!
- Full 3-page Loan Estimate expert audit
- Line-by-line Section A & B markup analysis (under 24h turnaround)
- Custom ghostwritten counter-offer email tailored to your loan officer
- $79 deposit applied 100% toward the final 10% performance fee
- Max fee capped at $300
- 100% Deposit Refund Guarantee: under $250 in savings found, your full $79 deposit is refunded.
Book a 1-on-1 support call — $75 for up to one hour
After you activate the toolkit, schedule a live appointment inside your dashboard for personal guidance on your Loan Estimate, audit findings, or lender counter-offer.
Everything you need to know about your lender fee audit
Simple, transparent pricing with a hard cap and a risk-free guarantee.
Every lender-controlled line on your Loan Estimate: origination charges, application and processing fees, underwriting, document prep, courier and admin charges, plus third-party services the lender orders on your behalf. We flag what's inflated, duplicated, or unearned and show you what it should cost.
The DIY Audit Toolkit ($79 during our grand opening sale, normally $99) gives you the Lender Fee Shield dashboard, the How to Get the Best Loan guide, the junk fee identifier, and copy-paste negotiation emails so you can run the audit yourself. The Done-For-You Audit starts with a $79 retainer deposit — our team audits your estimate line by line and ghostwrites your counter-offer email for you.
Your $79 deposit is credited 100% toward a success fee of 10% of verified savings, and the total fee is capped at $300 no matter how much we save you. Average savings range from $1,500 to $2,500, which usually means a final fee of $150 to $300 — minus the $79 you already paid.
Expert audits are delivered in under 24 hours from the time we receive your full Loan Estimate and deposit. You'll get an annotated report plus a pre-written counter-offer email ready to send your loan officer.
If our audit uncovers under $250 in negotiable lender fees, you get a 100% refund on your deposit or purchase — no questions asked.
All 3 pages of your official Loan Estimate. PDFs are ideal, but clear photos or scans of each page work too. You can upload multiple files.
All major credit and debit cards through Stripe, our secure payment processor. Apple Pay, Google Pay, and Link may also appear depending on your browser. We never store your card details.
Yes. Uploads are stored in private, encrypted storage that is never public, payments are processed by Stripe with PCI-compliant encryption, and your information is never sold or shared.
100% Risk-Free Guarantee: if our audit uncovers under $250 in negotiable lender fees, you get a 100% refund on your deposit or purchase — no questions asked.
That applies both ways. Done-For-You: your full $79 deposit comes back. DIY Audit Toolkit: upload your Loan Estimate through your dashboard within 14 days and we refund the full $79.
What counts as “savings” for the $250 guarantee?
Savings = negotiable lender charges the audit identifies on your Loan Estimate. Simple examples:
- ✅ A $900 origination fee negotiated down to $300. That $600 difference counts as $600 in savings.
- ✅ A $495 processing or document-prep fee removed. Any lender fee struck from the estimate counts at full value.
- ✅ A rate-lock or courier fee waived by the lender. If the fee was $150, that's $150 in savings.
- ✅ A marked-up third-party service corrected to actual cost. The difference between the quoted markup and the real cost counts.
What does not count
- Fee reductions you had already secured before the audit
- Seller credits or concessions unrelated to lender charges
- Estimated future refinance or interest savings — the guarantee looks at lender fees only
- 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 $250 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 $250 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 $250 or more, your refund request will not be approved.