How it works
We do the math and our AI explains it.
Upload your mortgage paperwork. In about a minute and a half, you get back a plain-English report that tells you whether you're being overcharged. Here's how it works.
How it works
Three steps. About 90 seconds.
Send us one document
Upload the quote your lender gave you early on, the final papers you get right before you sign, or a recent monthly mortgage statement. One file is all we need.
We read it and run the numbers
Our software pulls out the details and checks them against the standard mortgage math and thousands of real loans. This takes about 90 seconds.
You get a report in plain English
We tell you whether anything looks out of place, what it should be, and things you should discuss or negotiate down with your lender. You're never left guessing what to do next.
What we check
Where you're most likely being overcharged.
Fees that look too high
We compare every fee on your paperwork against thousands of real loans from lenders all over the country. If a fee is padded, you'll see it.
A rate that's too high
We check whether your interest rate is steeper than what people with loans like yours are actually getting.
Charges a lender isn't allowed to make
Some fees aren't allowed at all. And certain fees aren't supposed to jump much between your first quote and your final papers. Federal rules limit how far they can move, and we flag it when they move too much.
Mortgage insurance you can stop paying
PMI is the extra monthly charge a lender adds when your down payment is under 20%. The rules say it has to come off at a certain point. We check whether you're still paying it past that point.
Why you can trust the numbers
A calculator does the math. AI only writes the words.
Every dollar in your report comes from our own software, using the same math a bank uses: your monthly payment, the point where a refinance pays for itself, money your lender may owe you back, the most house you can afford. None of it is a guess.
AI is only there to read your paperwork and explain what we found in plain English. It never touches the math.
Where our numbers come from
Real loans and a trusted national average.
The rate we compare against
The same national average mortgage rate you see quoted in the news. It's updated weekly, so it stays steady instead of bouncing around day to day.
The fees we compare against
Our own library of thousands of real loans from lenders across the country. You're measured against what people are actually charged, not a guess.
Staying independent
No lender pays us a cent.
You're probably looking for the catch, so here it is: there isn't one. You pay once for a report, somewhere between $49 and $219 depending on what you need. That one payment is the only money we make.
We take nothing from lenders. No referral fees, no ads, no "preferred partner" deals. Not now, not ever.
Why does that matter to you? Every other mortgage tool is paid for by a lender, so its "best" pick is really just the lender paying the tool to reccomend them. Because no lender pays us, we have no reason to go easy on anyone. We'll tell you straight when a fee is padded, when a rate is too high, or when a loan officer is pushing you toward something that's good for them and bad for you.
Our promises
What we will and won't do, and how we keep watch after.
We won't give legal or financial advice
We hand you the facts and the math, laid out clearly. The decision always stays with you.
If we can't help, you don't pay
If your document is the wrong kind, too blurry to read, or missing key details such that we can't give you a confident answer, we will refund you automatically and email you why. It happens fast, with no phone calls to chase.
We watch rates for you, only when it's worth it (Refi Watchlist)
Free after a Refi Check. We watch rates and email you only when refinancing would genuinely pay off for your situation. At most one email a month, with no "rates are moving!" filler. It stays on until you turn it off.
We check in if you're buying (Buyer Check Updates)
We touch base a few times over the year, around 3, 6, and 12 months, to ask if anything's changed, and we'll give you a heads-up if rates drop a lot.
Whenever you're ready.
You don't have to understand a single line of your mortgage paperwork to use Mortgage Lens. That's our job. Send us your document and in about a minute and a half, you'll know exactly where you stand and what to do next. If we can't help, you don't pay. Take a look at the pricing and pick the report that fits your needs.