Don't Get Screwed On Your Mortgage

Pay for your house, not for your broker's vacation

Free and Private Analysis of your Mortgage Offer
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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. Upload Your Mortgage Closing Documents

    Simply upload your loan estimate or closing disclosure and we'll analyze it using AI and data sources to find hidden fees, better rates, negotiables, and other potential issues.

    2. Review the Report

    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.

    4. (Optional) Get a Better Deal with ClosingWTF

    Get pre-approved for a mortgage directly through ClosingWTF (takes 5-15 minutes). Use our really good offer as leverage to negotiate, or just go with us.

We've Found

$7.3 Million

In Potential Savings on mortgage closing costs and bad rates

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

Find a Mortgage that doesn't suck

Use this tool to verify you're not getting ripped off. These rates include a small broker commission, have no junk fees, and are probably 99th percentile best in the market.

Home Value: $500,000
Loan Amount: $400,000
Credit Score: 780
Property Usage: primary residence
First Time Buyer: Yes
Zip Code: 97035
Loan Term: 30 years
Loan Type: Conventional
Rate / APR
Loan Amount
Down Payment
Loan Costs
Monthly Payment
🏆 Lowest APR
5.875% / 6.138%
$411,766$88,234
(17.65%)
$11,766
2.858 points
$2,779
Includes $343 PMI
No BS Preapproval
💰 Highest Closing Costs
5.875% / 6.149%
$425,050$74,950
(14.99%)
$12,686
2.985 points
$2,869
Includes $354 PMI
No BS Preapproval
🎯 Lowest Closing Costs
6.750% / 6.750%
$400,000$100,000
(20.00%)
$0
-0.168 points
$2,594
No BS Preapproval
6.750% / 6.750%
Best Overall Value
$400,000$100,000
(20.00%)
$0
-0.168 points
$2,594
No BS Preapproval

We've helped homebuyers save thousands on their mortgages.

What People Are Saying

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."

FAQ

Frequently asked questions

Still have questions? Email us at [email protected]

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.

Get notified when we launch mortgage pre-approval

Don't get scammed at closing.

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

Contact Us
Copyright © 2025 ClosingWTF, Inc. All Rights Reserved. NMLS ID # 2688565

IMPORTANT DISCLAIMER: The information and services provided through ClosingWTF are 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. Your use of our services is at your own risk. Please review our Terms of Service for complete details.