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Which loan estimate is actually cheapest?
The lowest rate isn't always the cheapest loan. Closing costs can outweigh what a lower rate saves if you move or refinance first. Put three Loan Estimates side by side — the fields below match page 2 of the form box for box — and compare them over the years you'll actually keep the loan.
The loan you're shopping
SHARED TERMSUsed for every quote unless a card overrides it.
Used for every quote unless a card overrides it.
Most loans end in 7-10 years.
Page 1, Loan Amount.
Page 1, Interest Rate.
Page 1, Loan Terms.
Page 2, box D — origination, services you cannot shop for, services you can shop for (A + B + C).
Page 2, box I — government fees, prepaids, initial escrow, other (E + F + G + H).
Page 2, printed as a negative just under box J. Enter it as a positive number.
Page 1, Loan Amount.
Page 1, Interest Rate.
Page 1, Loan Terms.
Page 2, box D — origination, services you cannot shop for, services you can shop for (A + B + C).
Page 2, box I — government fees, prepaids, initial escrow, other (E + F + G + H).
Page 2, printed as a negative just under box J. Enter it as a positive number.
Page 1, Loan Amount.
Page 1, Interest Rate.
Page 1, Loan Terms.
Page 2, box D — origination, services you cannot shop for, services you can shop for (A + B + C).
Page 2, box I — government fees, prepaids, initial escrow, other (E + F + G + H).
Page 2, printed as a negative just under box J. Enter it as a positive number.
Enter a loan amount, a term, and at least one lender's rate to compare quotes.
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.
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