For homeowners or homebuyers
A Guide to Rate Fees
The average first-time buyer overpays by $6,905 in hidden mortgage fees. Our guide shows you where they are and how to fight them..
How Lenders Hide Fees
First, stop focusing only on the interest rate. That’s where lenders want your attention. Your real savings are found by fighting the fees they hide in the fine print.
Go to Page 2 of your Loan Estimate, in the section for loan costs. Every fee described as “points,” “lender credits,” or “rate lock costs” is a place where they can inflate your expenses. They hope you’ll find it too complicated and just accept them as standard costs. They are not.
Understanding these fees doesn’t require a financial background. It just requires knowing where to look and what questions to ask. This guide will makes you the expert.
Read this before you lock your loan
A mortgage determines more than your monthly payment. It dictates whether your home is a safe asset or a financial drain. Here’s what separates the two.
Don’t Start Here
Stop Googling mortgage rates. It’s a trap set by lenders. Their real profit is hidden in fees, and our guide shows you exactly where to find them.
Your Dream, Not Theirs
You want the yard for the dog. The lender wants the profit in your loan. This guide protects your dream from their fees.
Asset or Financial Drain
A bad loan turns your biggest investment into a financial drain. It starts with hidden fees, and it undermines your financial foundation from day one.
The Insider’s Toolkit
This guide gives you word-for-word scripts and checklists from a former mortgage executive. Stop guessing and start negotiating with the confidence of an insider.
The Playbook Lenders Don’t Want You to Have
Master the Conversation
We give you the exact, word-for-word scripts to challenge questionable fees. Walk into any negotiation with the confidence of knowing what to say, how to say it, and when to walk away.
Force Total Transparency
This guide arms you with a list of non-negotiable questions that cut through the jargon. Make lenders explain every charge and prove your loan is free of hidden costs.
Compare Offers Like an Expert
Use our checklist to compare Loan Estimates from multiple lenders side-by-side. You will be able to spot junk fees and easily identify the best financial offer.
Close Your Loan with Zero Regrets
This guide was created by a former mortgage executive to level the playing field. Arm yourself with their knowledge and get the peace of mind that you secured the best deal possible.

Estimate Your Possibilities
Use our calculators to explore numbers and understand what might work for you.
Frequently asked questions.
Lenders have a predictable playbook for padding their profits. Here are the most common tactics they use and how you can spot them.
Get the Complete Playbook
These are just six of the two dozen traps we expose in the full guide. Get the complete playbook and arm yourself against every lender tactic