Upload the Loan Estimate another lender gave you and I'll give you an honest second opinion — no strings attached. Most people don't realize how much they could save just by having someone else take a look.
No obligation, no sales pitch — just an honest look at your numbers.
Snap a photo or upload the PDF your lender gave you. Don't worry about formatting — I've seen them all.
Within 24 hours I go through your rate, fees, loan type, and closing costs myself. No bots, no AI — just me.
I'll reach out with a clear, jargon-free read on what I found — and whether I think you can do better.
Your Loan Estimate uploads through Dropbox, encrypted in transit and landing in a private folder only I can see.
Your document and details are never sold or shared with third parties — this stays between you and me.
This is an educational review, not a loan application. It doesn't start a loan or trigger a credit check.
I'll personally review it and get back to you within 24 hours.
🔒 Your file goes straight to me through Dropbox — private and encrypted. No one else sees it.
So I can match your estimate to the right comparison and reach back the same day.
This review is for educational purposes only and is not a loan commitment, approval, or offer of credit. Garrett Potz NMLS #631592 · Affinity Home Lending NMLS #1181151 · Equal Housing Lender.
If your current offer is already a good one, I'll tell you to take it — I'd rather earn your trust than talk you into a loan that isn't actually better.
Exactly what I check when I go through your Loan Estimate.
Is the rate competitive for your profile — and do the points and lender credits actually add up in your favor?
Origination, underwriting, and processing charges plus title and escrow — I flag what's padded and what can be beaten.
Whether you're even in the right program — plus PMI, escrows, and the total cost over the life of the loan, not just the monthly.
It takes a few minutes and could save you thousands over the life of your loan. Worst case, you find out you already had a great deal — and that's worth knowing too.
Upload My Loan Estimate