Loan Estimate review · Closing Disclosure audit Your lender is hoping you don't read the fine print.
Comparing Loan Estimates, checking a Closing Disclosure before you sign, or wondering whether to refinance? Mortgage Lens reads your paperwork and gives you a plain-English report that flags junk fees, a rate that's too high, and charges your lender isn't allowed to make.
- One-time price, no subscription
- Never paid by lenders
- Full refund if we can't produce your report
Loan Estimate
Example · excerpt
Issued 2026-05-12 · Applicant: A. Mendoza
A. Origination Charges
B. Services you cannot shop for
A + B total
Sections C to J follow on the form
$4,092
Tap a flagged line to see why it's flagged.Click any flagged line for the full explanation.
$0
from lenders, ever
No referral fees, no kickbacks, no lender partnerships. You pay for your report, so it's written for you.
Minutes
not days
Reports are usually ready in a few minutes once your documents are uploaded. You download the PDF from your dashboard.
100%
refund if we can't produce your report
If your document is the wrong kind, unreadable, or missing key details, email hello@mortgagelens.ai and we'll refund you in full.
How it works
A second opinion on your mortgage, in three steps.
Pick your question
Refinancing, buying, comparing offers, or about to close. Each report answers one question, or a Pilot covers the whole journey.
Share your paperwork
Upload your mortgage statement, your Loan Estimates, or your Loan Estimate and Closing Disclosure, depending on the report. Buyer Check just asks about your income, debts and savings.
Get a plain-English report
Usually ready in a few minutes once your documents are uploaded. Download the PDF and take it into your next conversation with the lender.
What we check
What we look for in your Loan Estimate, Closing Disclosure or mortgage statement.
Junk fees and padded charges
Lender fees that look unusually high, and fees that charge twice for the same work, like a processing fee on top of origination.
A rate that's too high
We compare your rate with Freddie Mac's weekly national average and with the other offers you've collected, so you know when to push back.
Fee increases the rules don't allow
Federal TRID rules limit how much fees can rise between your Loan Estimate and your Closing Disclosure. We flag fees that rose more than those limits allow.
PMI you may be able to drop
If you pay mortgage insurance, we estimate when you could ask to have it removed, and what home value would get you there sooner.
Reports and prices
Pick the report for where you are.
Every product is a one-time payment, from $49. No subscription.
Buyer Check
$69How much house can I actually afford?
You'll need: No documents. You answer a few questions about your income, debts, credit range and savings.
Which of these offers is the best deal?
You'll need: 2 to 4 Loan Estimates, from one lender or several.
Did anything change before I sign?
You'll need: Your Loan Estimate and your Closing Disclosure.
Guided bundleSave $28
Refi Pilot
$199Bundles Refi Check, Estimate Compare and a Closing Disclosure Audit for one refinance, with a checklist that tracks each step.
Guided bundleSave $28
Buyer Pilot
$219Bundles Buyer Check, Estimate Compare and a Closing Disclosure Audit for one home purchase, with a checklist that tracks each step.
See it before you buy
See a sample report before you pay.
Every report is a PDF you download and keep. In this sample Closing Disclosure Audit, a transfer tax rose $200 more than federal rules allow, and the report lists exactly what to ask the lender to fix.
Questions
Common questions.
Which report do I need?
It depends on your paperwork. Thinking about refinancing: Refi Check reads your mortgage statement. Shopping lenders: Estimate Compare lines up 2 to 4 Loan Estimates. About to close: the Closing Disclosure Audit compares your Closing Disclosure with your Loan Estimate. Starting to house hunt: Buyer Check needs no documents at all.
Is this financial advice?
No. We check the math and explain what we find in plain English, including what to ask your lender. The decision always stays with you.
Is my information safe?
Your documents are encrypted in storage and in transit, and we never sell them. You can delete a report from your dashboard, or your whole account from Settings.
Your lender already has their math. Now you have yours.
Pick a report, share your paperwork, and walk into your next conversation with the lender knowing exactly what to ask.
Free
Rate updates in plain English.
What moved mortgage rates and what it means if you're refinancing or buying. No lender ads. Usually one short email a week.
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