closing.wtf

Don't Get Screwed
On Your Mortgage

Free and 100% private analysis of your mortgage offer

Upload your Loan Estimate, Closing Disclosure or other mortgage offer document

You'll use this email to view the analysis, we'll never share it with anyone.

Loan Offer Grade

?

How fair is your mortgage?

Rate Comparison

Compare your rate to the market average and the best rate we've found for similar loans.

Your Current Rate

5.25%

Market Average

4.75%

Best Rate We've Found

4.25%

How it works

We analyze your mortgage to help you understand if you're getting ripped off. Then help you negotiate by giving you leverage.

    1. Add Your Mortgage Information

    Simply upload your mortgage document or manually add the details, and we'll analyze it using AI and rates from 10-20 lenders to find better rates, hidden fees, negotiables, and other potential issues.

    2. Review the Rate and Closing Costs Analysis

    Our advanced AI algorithms automatically process and analyze your data, extracting valuable insights and patterns that would be difficult to identify manually.

    3. Call your mortgage broker or lender 🤬

    Receive clear, actionable insights and recommendations based on the analysis. Use these insights to negotiate a better deal.

We've Found

$10+ Million

In Potential Savings on mortgage closing costs and bad rates

That's an average of ~$8,000 per homebuyer

View top of the market mortgage rates

Use this tool to verify you're not getting ripped off. These rates include a small broker commission (1.5%), have no extra fees, and are usually 95th percentile best in the market for FHA and Conventional loans.
Mandatory Disclaimer: These rates are for illustrative purposes and not guaranteed since loan pricing depends on many factors. Actual rates may vary.

We've helped homebuyers save thousands on their mortgages.

Saved ~$4k in closing costs.

Saved ~$4k in closing costs.

Saved ~$10k in closing costs.

Saved ~$10k in closing costs.

"I've spent nearly 20 years at one of the largest mortgage lenders.. I know firsthand how needed this is."

"I've spent nearly 20 years at one of the largest mortgage lenders.. I know firsthand how needed this is."

"I'm actually closing.. and found your website very helpful"

"I'm actually closing.. and found your website very helpful"

"I thought closing.wtf from @1andyaaron was really cool and already would be useful for me."

"I thought closing.wtf from @1andyaaron was really cool and already would be useful for me."

Privacy & Security

Your data is always private

All information is used solely to generate analyses to help homebuyers analyze, optimize, and save money on their mortgages.

FAQ

Frequently asked questions

Still have questions? Email us at [email protected]

Get notified on mortgage tips & tricks, and when we launch in a new US state

Don't get scammed at closing.

We are on a mission to make sure you get the best deal.

Contact Us
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Closing on a Mortgage? Don't get Screwed.

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IMPORTANT DISCLAIMER: The information and services provided through ClosingWTF are currently for informational purposes only and are not intended to be, and should not be construed as, financial, legal, or investment advice. Users should always conduct their own research and due diligence. We do not sell or share data with third parties. Please review our Terms of Service for complete details.