Put two to four Loan Estimates side by side. See where they actually differ, what each line means in plain English, and what to ask each lender.
Your files never leave your device. PDFs are read by code running in this browser tab. Nothing is uploaded, stored, or tracked, and closing the tab erases everything. Black out your name and address first if you plan to print or share the results.
1. Add your Loan Estimates
Use the standard 3-page Loan Estimate PDF each lender sent you (not a quote sheet or a screenshot). You can also type the numbers in.
or drag and drop 2 to 4 PDFs here
2. Check the numbers
Reading PDFs is never perfect. Compare every figure with your Loan Estimate and fix anything that's off. Blank boxes mean we couldn't find the number; leave them blank or type them in. Highlighted boxes were changed by you.
3. Side-by-side comparison
years
"Lowest in this comparison" is simple math on the numbers above. It is not a recommendation or a ranking of any lender, and a lower number on one line can come with a higher number on another.
Points break-even
Questions to ask each lender
Save or share
The summary leaves out your name, address, and loan ID. Lender names are replaced with "Offer A, B, C" unless you tick the box.
How to read the comparison
Compare the same loan. Same loan amount, term, product, and down payment, issued within a few days of each other. Prices change daily, so an estimate from two weeks ago isn't a fair match.
Lender-controlled costs are Section A (origination charges, including points) minus lender credits. This is the part each lender sets.
Sections C, E, F, G and H are mostly third-party costs, taxes, insurance and escrow. They're estimates, and one lender showing a smaller number doesn't mean you'll pay less.
Points and credits trade against the rate. Paying points lowers the rate; taking a credit raises it. The break-even shows how many months of lower payments it takes to earn the points back.
APR assumes you keep the loan for the full term. If you'll likely sell or refinance sooner, the cost over your own time frame matters more.
Next: learn how mortgage rates are priced
Our free guide walks through points, lender credits, APR and how to ask for apples-to-apples Loan Estimates.
Educational tool only. The figures are estimates from your own documents and simple math; they can contain reading errors. OfferPrep is not a lender or mortgage broker, does not quote rates, and does not recommend or refer you to any lender. Confirm every figure with your lender before you decide. The cost-over-time math assumes the rate stays the same, so adjustable-rate loans can cost more than shown.
