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AI Loan Estimate Analysis

Get a detailed analysis of your loan estimate in seconds

Your Loan Estimate Analysis

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Overall Score

This score reflects how your loan estimate performs across multiple cost categories compared to industry averages.

D-

Rate & APR

This score assesses how competitive your interest rate and APR are compared to national market averages.

C-

Loan Costs

This score reflects how your lender’s origination charges and other costs compare to industry averages for similar loans.

D

Title Fees

This score is based on the average title fees in your state, including charges like title insurance and settlement services.

C

Escrow & Prepaids

This score compares your escrow and prepaid costs - such as taxes and insurance - to national average prices.

B-

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In-Depth Analysis

Overall Score D-

Reduce Interest Rate

Explore options with Oxford Home Lending to potentially secure a lower interest rate, reducing your monthly payments and overall loan cost. Oxford Home Lending has the industries lowest rates, commissions, closing costs, and fees.

Reduce Fees

Request the removal of unnecessary fees such as application and credit report fees to lower your closing costs. Oxford Home Lending has the industries lowest rates, commissions, closing costs, and fees.

Social Proof

Here's what people are saying.

We've helped homebuyers save thousands on their mortgages.
Quote

As a first-time buyer, I was overwhelmed by all the mortgage jargon. Oxford's AI tool translated everything into plain English and flagged that my interest rate was 0.5% higher than comparable offers. This insight helped me negotiate better terms and save over $15,000 over the life of my loan.

Emma Thompson

First-time Homebuyer

Quote

After owning three properties, I thought I knew everything about mortgages. The AI analyzer proved me wrong by identifying excessive escrow padding and unnecessary title insurance add-ons in my Loan Estimate. I saved $3,800 at closing and secured a more favorable rate lock period.

Jason Williams

Homeowner

Quote

Having just purchased my dream home, I can't imagine going through closing without this tool. It caught a last-minute change to my loan terms that would have increased my monthly payment by $175. The detailed breakdown gave me the confidence to challenge these changes before signing.

Michael Johnson

Recent Home Purchaser

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FAQ

A Mortgage Loan Estimate is a standardized document that lenders are required to provide within 3 business days of receiving your mortgage application. It outlines the estimated terms, interest rate, monthly payments, closing costs and other fees associated with your proposed mortgage loan.