Get a Second Look at Your Mortgage Offer
A mortgage second opinion is a fresh review of your Loan Estimate, borrower profile, property, and goals. A review may help you compare rate, APR, lender fees, credits, payment, and cash to close. It is not a commitment to lend, does not guarantee approval, savings, a lower rate, or a faster closing, and remains subject to credit approval, lender guidelines, and state licensing requirements.
If another lender declined your application or the offer does not fit your situation, submit the Loan Estimate for a personalized review. The review is educational and does not promise a different outcome.
What We Review
Rate and APR
We can compare the interest rate and annual percentage rate shown on your Loan Estimate, along with the assumptions and loan terms that affect the comparison. A lower rate is not automatically a better offer if other costs or terms change.
Fees, Credits, and Cash to Close
We can review lender fees, credits, estimated prepaid items, the projected payment, and the cash to close. The goal is to help you understand what the offer includes and which questions to raise with a loan professional.
What to Upload
Upload your current Loan Estimate and provide the borrower, property, and loan details needed for a useful comparison. Remove account numbers or other sensitive information that is not needed for the review.
What a Second Look Can and Cannot Tell You
A second look can help you identify questions, compare available options, and understand how rates, fees, credits, payment, and cash to close fit together. It cannot confirm approval, guarantee savings, promise a lower rate, or predict a closing timeline. A lender must review the complete application and current program requirements.
Submit your Loan Estimate for a personalized review
Questions About Reviewing a Mortgage Offer
Can a second look guarantee a better offer?
No. A review may identify options to discuss, but pricing and eligibility depend on the borrower, property, loan amount, program, lender guidelines, market conditions, and credit approval.
Will a second look replace my current lender?
No. It gives you another educational review so you can compare questions and options. Keep your current lender informed about deadlines and decisions while you evaluate your choices.
What should I do if my application was denied?
Ask the lender for the specific reason and organize the notice and supporting documents. You can also read the mortgage denial recovery guide before requesting another review.
W. Scott Sears, Residential Mortgage Loan Originator, Mortgage Solutions LP, NMLS 295065.
