Lenny's mortgage second opinion

Analyze your Loan Estimate. Get a second opinion.

Upload the offer you already have. Lenny organizes the disclosed rate, APR, payment, points, credits, and lender-controlled costs so you can see the tradeoff before you choose.

Not a loan approval
Step 1 of 3

Start with the quote you want checked

Loan Estimates are hard to compare. Lenny pulls out the rate, APR, payment, points, credits, fees, cash to close, and lock details, then flags anything that still needs confirmation. Missing information stays missing.

Step 2 of 3

Tell Lenny what matters to you

Your documents stay private. No lender sees them unless you later choose to connect and approve what is shared.

How to read the comparison

How to compare mortgage Loan Estimates side by side.

Start by confirming that both documents describe the same loan scenario and were issued close together. Then compare the figures a lender can influence instead of treating every closing-cost line as lender pricing.

PAGE 1

Confirm the loan terms and payment.

Check the loan amount, term, product type, interest rate, monthly principal and interest, and whether the rate is locked.

PAGE 2

Review origination charges and lender credits.

Compare Section A origination charges, Section B services you cannot shop for, and lender credits in Section J. Taxes, insurance, and prepaid items are not all controlled by the lender.

PAGE 3

Use the five-year comparison figures.

The “In 5 years” figures show total payments and principal paid. Their difference represents interest, mortgage insurance, and loan costs paid during that period.

Common questions

What the Loan Estimate Analyzer does.

Use Lenny to organize the disclosed figures. A licensed mortgage professional confirms eligibility, pricing, fees, approval, and any rate lock.

What does the Loan Estimate Analyzer compare?

It organizes disclosed rate, APR, principal and interest, points, lender credits, lender-controlled charges, cash to close, and timeline so the tradeoffs are easier to compare.

Do I need two Loan Estimates?

No. One estimate can receive a plain-English checkup. A second estimate enables a side-by-side comparison using the same priorities and timeline.

Is the Loan Estimate Analyzer a loan approval?

No. It is educational comparison guidance. A licensed mortgage professional must confirm eligibility, program fit, pricing, fees, approval, and any rate lock.

For a field-by-field explanation, see the Consumer Financial Protection Bureau Loan Estimate explainer.