360 PAYMENTS · ONE DECISION
Your mortgage is 360 payments. Almost nobody shows you all 360.
Four questions and we show you all 360, month by month, with the date each thing ends — or the one where it never does.
- NO SOCIAL SECURITY NUMBER
- NO PHONE CALLS
- WE DON'T SELL YOUR DATA
MORTGAGE INSURANCE$45,589never goes away
- We never ask for your Social Security number. Nothing here touches your credit.
- Nobody calls you. We never sell your information and we never introduce you to a lender.
Just want to see how it works?
We are not asking about your credit or your income yet. Until you tell us, we use the country’s median profile — and we say so next to every figure.
THE PART NOBODY TELLS YOU
Ask five lenders for a real offer. It is free.
A Loan Estimate is the one comparable document in this market. Every lender must give you one within three business days, and they cannot charge you for it.
- We put your numbers and the questions together in one packet.
- You take it to the lenders you choose. Nobody is sent anywhere from here.
- Several mortgage inquiries inside 45 days count as one — the CFPB says so.
What 531 people paid to close the same loan
531 people took out the same loan. This is what they paid to close it.
3.71x
THE 10TH PERCENTILE ONE
$3,628
- Same county · Harris County, TX
- Same program · Conventional · 30 years
- Same LTV 79-81 · DTI 36-43
THE 90TH PERCENTILE ONE
$13,471
- Same county · Harris County, TX
- Same program · Conventional · 30 years
- Same LTV 79-81 · DTI 36-43
531 purchase loans in Harris County, TX, 2025: same program, same term, same LTV, same DTI, same loan size. Of those, 523 reported closing costs, and the percentiles are over those 523. We draw the five published cut points and nothing in between. HMDA — the regulator's public file, not a calculation of ours.
The three screens of this demo
- CompareWhat the buyer fills inYou are here
- Client portalWhat the buyer seesEnter →
- Staff deskWhat the operator seesEnter →