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Free second opinion

Already shopping? Get a free second opinion on your Loan Estimate.

Send me the Loan Estimate you received from another lender and I'll review your rate, fees, and terms with you, honestly and with no pressure. If theirs is the better deal, I'll tell you.

Prefer to talk first? Schedule a Free Consultation
How it works

Three simple steps.

  1. 1

    Send your Loan Estimate

    Fill out the short form, then email me the PDF you received from another lender. Add a quick note if you want context.

  2. 2

    I review rate, fees, and structure

    I look at the numbers side by side with what is typical for your situation, in plain English.

  3. 3

    We hop on a quick call

    You leave knowing what is fair, what is negotiable, and whether switching lenders is worth it.

Send your Loan Estimate

Tell me where to reach you, then email me the PDF on the next screen. I will follow up personally. No pressure, no obligation.

Your Loan Estimate goes only to me. Redact account numbers if you prefer; I mainly need the rate, fees, and loan terms pages. This review is educational and is not a loan offer, rate quote, or commitment to lend.

What I often find

Six things worth checking on any Loan Estimate.

A Loan Estimate is a standard three-page form, so every lender's offer can be compared line by line. These are the spots where the real differences usually hide.

Points hiding in the rate

A low rate on page 1 can come with discount points in Section A on page 2. Points are not bad, but you should know you are paying them and how long it takes to earn them back.

Lender fees that don't match the program

Origination, underwriting, processing, and admin fees vary a lot between lenders. I compare Section A line by line so you can see what is actually the lender's charge.

Third-party costs padded or missing

Title, appraisal, and survey fees in Sections B and C should look reasonable for your county. A number that looks too low can grow before closing just as easily as a high one.

Escrows and prepaids that skew the comparison

Section F and G (prepaid interest, insurance, and the initial escrow deposit) change with your closing date and tax bill. They are not lender profit, so I strip them out when comparing offers.

The wrong program for your situation

Sometimes the Loan Estimate is fine but the program is not. An FHA loan with lifetime mortgage insurance, for example, when a conventional loan or a state assistance program would cost less over time.

Lock terms that expire too soon

A rate lock shorter than your contract timeline can mean paying an extension fee or re-locking at a worse rate. I check the lock date against your closing date.

Related tools: compare offers with points using the rate options calculator, or see cash to close across programs with program compare.

FAQ

Second opinion questions

  • Is a Loan Estimate second opinion really free?

    Yes. There is no cost and no obligation. I review the Loan Estimate, tell you what looks fair and what looks high, and if the other lender is the better deal I will say so.

  • Will you pull my credit to review my Loan Estimate?

    No. A second opinion is a review of the document you already have. Nothing about it touches your credit or creates a loan application.

  • What should I compare on two Loan Estimates?

    Compare the rate, Section A (the lender's own charges, including points), and the APR on page 3. Sections F and G mostly depend on your closing date and taxes, so they are less useful for comparing lenders.

  • Can I switch lenders after I am under contract?

    Often yes, as long as there is enough time before closing for a new lender to order the appraisal and underwrite the file. I will look at your contract dates and tell you honestly whether switching is realistic.

  • How fast will I hear back?

    I personally review every Loan Estimate and typically follow up within one business day, sooner if you are close to a deadline. Call or text if your timeline is tight.

  • What if I don't have a Loan Estimate yet?

    Book a free Mortgage Strategy Session instead. We can walk through your budget and loan options now so you know what a fair offer should look like when quotes come in.

Still weighing your options?

A second look costs nothing. If the other lender is the better fit, I will say so.

Schedule a Free Consultation Start My Application

Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity

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