Free Second Opinion on Your Loan Estimate
Not Sure You're Getting the Best Deal?
Upload your Loan Estimate and I'll give you an honest second opinion, no strings attached. Most people don't realize how much they could save just by having someone else take a look.
How It Works
Upload Your Loan Estimate
Snap a photo or upload the PDF you received from your lender. Don't worry about formatting, I've seen them all.
I Review It Personally
Within 24 hours, I'll analyze your rate, fees, loan type, and closing costs. No bots, no AI, just me.
Get Your Custom Breakdown
I'll reach out with a clear, jargon-free breakdown of what I found and whether I think you can do better.
What I Look For
Interest Rate & APR
Are you getting a competitive rate for your credit profile and loan type?
Lender Fees
Origination charges, underwriting fees, and processing costs can vary widely between lenders.
Third-Party Costs
Title, escrow, and insurance, I'll flag anything that looks inflated.
Loan Program Fit
Are you in the right loan product? Sometimes a different program saves thousands.
Credits & Points
Lender credits and discount points can shift the math significantly. I'll make sure they add up.
Long-Term Cost
Monthly payment is just one piece. I look at the total cost over the life of the loan.
Your Privacy
Secure & Private
Your Loan Estimate and personal details are transmitted securely and never shared with third parties. I'm the only one who sees your file.
Deleted After Review
Your uploaded documents are permanently deleted within 30 days of review, or sooner upon request.
For Review Purposes Only
This is an educational review, not a loan application. Submitting your Loan Estimate does not create a lender-borrower relationship or trigger a credit check.
Submit Your Loan Estimate
Fill out the form below and I'll get back to you within 24 hours with an honest breakdown.
This review is for educational purposes only and does not constitute a loan commitment, approval, or official offer of credit. Mike Prenesti, NMLS #1033445. Nexa Lending, LLC, NMLS #1660690. Equal Housing Opportunity. Licensed in Nevada.
Curious why a broker can often find a better deal than a bank in the first place? Read: Mortgage Broker vs. Bank: What Actually Wins You the Better Loan