closing.wtf

Don't Get Screwed
On Your Mortgage

Analyze your mortgage and compare it to the best rates in the market.
Pay for your house, not your broker's vacation.

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
closing.wtf

Closing on a Mortgage? Don't get Screwed.

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Copyright © 2025ClosingWTF, Inc.All Rights Reserved.
NMLS ID #2688565•www.nmlsconsumeraccess.org
Equal Opportunity Lender•Equal Housing Opportunity

ClosingWTF Inc is currently NMLS licensed in the US states OR, CO, and TX.

Equal Housing Lender

All loan products and financial services are provided by ClosingWTF Inc., NMLS #2688565 ("ClosingWTF"). You are not required to use ClosingWTF Inc for your mortgage needs and may be able to obtain lower rates or fees through a different mortgage lender or broker. This is not a commitment to lend. All offers are subject to submitting a complete loan application and obtaining full underwriting approval. Loan terms are subject to change. Only the most qualified applicants will be approved for ClosingWTF Inc’s lowest rates. Not available in all states. We are an Equal Housing Lender.