Know what your mortgage really costs.
Upload the 3-page Loan Estimate your lender sent you, as a PDF or phone photo. In about 60 seconds you get a free grade, every fee explained in plain English, and exactly what to push back on.
A free account unlocks your grade. No hard credit pull, best used before you lock your rate.
Good, with room to negotiate
2 fees flagged · rate looks competitive
Origination Fee
$4,200
Appraisal Fee
$550
Title Insurance
$1,850
Upload a PDF, screenshot, or photo of:
- Loan Estimate (LE)
- Fee Worksheet
- Rate Quote
- Closing Cost Estimate
- Or any mortgage document from your lender
Drop your Loan Estimate here
PDF or phone photos (select every page) · or tap to browse
Don't have a PDF? Enter your numbers manually
3.78M+
Real 2025 U.S. mortgages in our benchmarks (public CFPB data)
All 50 states + DC
Closing-cost benchmarks, purchase & refinance
Free
Full analysis, free during launch
See the difference instantly
Whatever your lender sent you, we turn it into a clear, graded report in about 60 seconds.
3 pages of numbers.
What does it all mean?
Good, with room to improve
2 of 7 fees above market average
Estimated savings potential: $2,100
“Ask your lender: Can you match the $3,200 origination fee I’ve seen from other lenders?”
From confusing to clear in 60 seconds.
Here's what happens after you upload
Drop your Loan Estimate PDF
The one your lender emailed you. We support standard CFPB Loan Estimates and fee worksheets from most lenders.
We benchmark your costs against real market data
Your total lender costs are compared against thousands of real, federally-reported mortgages, and each fee against the typical range for a loan like yours.
Get your grade, flags, and scripts
A clear letter grade, flagged fees with explanations, and word-for-word negotiation scripts to use with your lender.
Everything you need to negotiate confidently
We benchmark your total costs against real federal mortgage data, then check each fee against its typical range.
Your Grade
A clear A+ to C letter grade that tells you instantly whether your loan is competitive.
Strong offer. Minor room to negotiate on title fees.
Fee Breakdown
Every fee labeled Normal, High, or Shop Around, compared to its typical range.
Negotiation Scripts
Word-for-word scripts tailored to each flagged fee. Know exactly what to say.
“I've compared origination fees across several lenders and $3,200 is more typical for my loan size. Can you match that?”
After your grade · Compare & Save
Turn your grade into competing offers
Once you know what your loan should cost, let verified loan officers compete to beat it — without handing over your phone number to a call center.
- 1
You stay anonymous
Officers see your loan profile — amount, type, and the fees to beat — never your name, email, or phone until you choose to share them.
- 2
Officers compete on price
They submit real offers. We rank them by how much they actually save you — never by who paid us. Loan officers buy a seat to participate, not your contact info.
- 3
You choose — or counter
Accept the best offer, or send a counter. Your contact details are shared only with the officer you pick.
Offers on your loan
Ranked by savingsVerified Officer · CA #01xxxxx
Lower origination + a lender credit
Saves ~$2,140
Best offer
Verified Officer · CA #01xxxxx
Matches your rate, trims title fees
Saves ~$1,375
Verified Officer · TX #xxxxxx
Slightly lower monthly payment
Saves ~$610
Illustrative preview. Real offers depend on your loan and the officers who compete. Ranking is neutral: payment to TermVerify never changes the order.
Free for homebuyers
No subscriptions. No hidden fees. Your full analysis is free — always.
Free
$0
always free
- Full letter grade with every fee explained
- Every red flag, with word-for-word negotiation scripts
- Full itemized cost breakdown of your loan
- Loan officers compete to beat your offer
- Up to 10 analyses per day
No credit card. Loan officers, not you, pay to compete on our marketplace — we never take lender commissions.
Common questions
A Loan Estimate is a standardized 3-page document that every lender is required to give you within 3 business days of your mortgage application. It outlines your interest rate, monthly payment, and all closing costs. The catch: most borrowers can't tell if the numbers are fair.
Ideally before you lock your interest rate. Once you lock, your negotiating power drops significantly. Upload your Loan Estimate as soon as you receive it. The analysis takes about 60 seconds.
Yes. Your documents are encrypted in transit (TLS 1.3) and at rest (AES-256). We never share your personal information with lenders or third parties. Documents are automatically deleted after 90 days, and you can delete your account at any time.
Your total lender costs (Loan Estimate sections A–C) are benchmarked against thousands of real, federally-reported mortgages (public CFPB HMDA data) for your loan type, purpose, and size. Individual fees are then checked against the typical range we see on real Loan Estimates and, where they exist, statutory schedules — so you walk into the negotiation with specific, data-backed numbers.
Never. TermVerify is free for homebuyers. We don't partner with lenders, we don't earn referral fees, and we never sell your information — so our only incentive is giving you the most honest analysis possible.
Built for borrowers, not lenders
Our only incentive is giving you the most honest analysis possible.
No Lender Partnerships
We don't earn referral fees. We don't sell leads. Our only customer is you.
Your Data, Your Control
AES-256 encryption. Documents auto-delete after 90 days. Delete your account anytime, instantly.
Unbiased by Design
Free for homebuyers. We never take lender commissions or sell your information, so our only incentive is your best outcome.
Ready for a second opinion on your loan?
Upload your Loan Estimate and know where you stand in under a minute.
Free. No credit card required.
Contact us
Questions about your analysis, or interested in working with us? For partnership, data licensing, and press inquiries, reach out. We typically respond within one business day.
support@termverify.com