Don't Get Screwed On Your Mortgage

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

Free and 100% Private Analysis of your Mortgage Document

Works best with Loan Estimates and Closing Disclosures

This sample analysis is based on a real 2024 mortgage loan estimate.

We've Found

$3.7 Million

In Potential Savings on mortgage closing costs and fees

That's an average of ~$4,000 per homeowner

How it works

    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.

Understand the terms, costs, and rates (good and bad) of your unique mortgage.

Supporting All Types of Mortgages

Purchasing

We analyze new home purchase mortgages to identify hidden fees, unfavorable terms, and predatory lending practices that could cost you thousands.

Refinancing

Our analysis reveals the true costs of refinancing, including closing costs, fees, and long-term implications that lenders may not disclose upfront.

HELOCs

We scrutinize HELOC terms to uncover variable rate risks, hidden fees, and concerning fine print that could impact your home equity.

VA Loans

Our detailed analysis helps veterans understand VA loan terms, funding fees, and potential pitfalls that could affect their benefits.

FHA Loans

We examine FHA loans to expose mandatory insurance costs, fee structures, and other requirements that impact your total costs.

Jumbo Loans

For high-value properties, we analyze complex jumbo mortgage terms to identify concerning clauses and potential risks.

Reverse Mortgages

We help seniors understand the complex terms, fees, and risks of reverse mortgages before making this significant decision.

Other Mortgages

Whatever mortgage type you're considering, we'll analyze the fine print to reveal potential issues and hidden costs.

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

We never sell or share data with third parties. All information is used solely to generate analyses to help borrowers analyze and optimize their mortgages.

Products and Services Updates

Stay informed with our expert insights on mortgage optimization and industry best practices.

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.

IMPORTANT DISCLAIMER: The information and services provided through Closing.wtf are for informational purposes only and are not intended to be, and should not be construed as, financial, legal, or investment advice. We do not provide mortgage loans, financial services, or act as a mortgage broker or lender. Users should always conduct their own research and due diligence and obtain professional advice before making any financial decisions. We make no guarantees about the accuracy, reliability, or completeness of the information provided. 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.