About Closing.wtf
Making mortgage closing costs transparent and understandable
Hi, I'm Aaron Landy 👋
As a software engineer and first-time homebuyer, I experienced firsthand how confusing and overwhelming the mortgage process can be. When I received my loan estimate, I was shocked by the closing costs and frustrated by how difficult it was to understand what I was actually paying for.
That's why I built Closing.wtf - to empower mortgage borrowers by analyzing closing documents to uncover hidden fees and negotiable terms. Studies show that 70% of borrowers overpay 1-3% on their mortgage due to complex fee structures and lack of transparency.
Our service is straightforward: upload your loan estimate or closing disclosure document and receive a detailed analysis on the fairness of your fees, rates, and negotiable terms. We help you identify every potential place you might be overpaying and show you how to negotiate better terms.
The goal is to help you save money and make informed decisions without unnecessary complexity. No one else in the mortgage process is truly incentivized to get you the best deal - we're here to give you peace of mind and potentially save you thousands of dollars.