The $40,000 Gap Between Retail and Broker Pricing
The same loan priced through retail and wholesale pricing produced a large difference in interest rate. See how accessing multiple lenders can directly lower the rate you receive.
CASE STUDIES
Based on real Loan Estimates where pricing changed after a competing offer was introduced. These articles demonstrate how to adjust the structure, credit, and fees to achieve a lower rate.
Inside Mortgage Pricing: Why Two Borrowers Can Pay $60,000 Different for the Same Loan
Mortgage rates vary across lenders even for identical borrower profiles. See how these differences can lead to large changes in total loan cost.
The $9,800 Origination Fee
A real Loan Estimate shows how significant costs can appear outside the interest rate. See how these fees increase the total cost and influence the rate you accept.
When Two Identical Borrowers Receive Different Rates
Two borrowers with nearly identical profiles received different interest rates for the same loan. See how this happens and what it means for the rate you are offered.
The Half-Point Hidden in Plain Sight
A small difference in interest rate can be difficult to detect at first glance. See how even a half-point increase can significantly raise the total cost of your loan.