Free Second-Look Analysis

Is your loan estimate actually a good deal?

Bring your numbers. In 60 seconds, see exactly where you're overpaying on fees, rate, points, and APR compared to what a broker can do.

No login required No credit pull 100% free
Duane Buziak
DB
Duane Buziak
Mortgage Maestro · NMLS #1110647
★★★★★ 1,400+ reviews
Loan Health Score
--
out of 100
Enter your numbers below
Score updates live as you fill in
your loan estimate details

Enter Your Loan Estimate

Use the numbers from Page 1 and Page 2 of your Loan Estimate (LE) or Closing Disclosure. Rate benchmarks updated June 2026.

Loan Details
Lender Fees (Section A)
Credit Profile
🔍

Your analysis will appear here

Fill in your loan estimate details on the left. We'll flag overpriced fees, rate vs. market benchmarks, and tell you if you should be shopping harder.

* Rate analysis is based on current market benchmarks. Fee structure varies by loan type, scenario, and lender — every deal is structured individually. Contact Duane for exact fee details on your specific loan.

Run your analysis to get Duane's verdict on your loan.

Run your analysis to get a step-by-step action plan.

Run your analysis to get pointed questions to ask your lender.

Side-by-side math on your current LE vs. alternatives.

Year-by-Year Interest vs. Principal

Amber = interest paid, teal = principal paid. Dashed line = remaining balance.

Interest
Principal
Remaining Balance

How the Second Look works

01

Enter your numbers

Pull up your Loan Estimate or Closing Disclosure. Enter the rate, APR, fees, and loan details. Takes about 90 seconds.

02

Get an instant score

Eight independent checks run against current market benchmarks for your loan type, credit tier, and LTV. Every flag is explained in plain English with dollar amounts.

03

Decide with clarity

If your deal is fair, we'll tell you. If it isn't, we'll tell you exactly why and what a broker-only alternative could look like in real numbers.

What we analyze

Eight independent checks against current market data for your exact loan scenario.

✓

Rate vs. market benchmark

Your rate benchmarked against the current market for your loan type, FICO tier, and LTV with adjustments stacked properly.

✓

APR spread vs. expected max

The gap between rate and APR reveals hidden lender costs. FHA and VA have wider expected spreads - we calibrate per loan type.

✓

Origination fee

Flagged when present as a market comparison point. Origination fees vary by deal structure — some lenders roll costs into rate instead. Fee structure depends on your specific scenario.

✓

Processing + underwriting fees

Benchmarked separately against loan type thresholds. Each fee gets its own flag with a specific dollar critique.

✓

Discount points breakeven

Points only make sense if you stay long enough. We calculate your actual breakeven in months using your rate reduction and loan amount.

✓

Total lender fee load

All lender-controlled fees expressed as a percentage of your loan amount. Above 0.5% is a red flag on most loan sizes.

✓

Property type warnings

Non-warrantable condos, manufactured homes, and investment properties carry pricing premiums many lenders don't disclose upfront.

✓

Retail vs. broker pricing gap

Retail bank pricing typically runs 0.25-0.375% above wholesale. We estimate what the same loan costs through a broker channel.

Duane Buziak - Mortgage Maestro

Duane Buziak - Mortgage Maestro

Independent mortgage broker licensed in VA, TN, GA and FL. Access to 500+ wholesale lenders. Ranked Top 1% Nationwide and VA Broker of the Year 2024-2025. $95.6M closed on one NMLS number - every dollar from one broker, not a team. This tool exists because most borrowers don't know what a good loan estimate looks like. Now you do.

NMLS #1110647 VA Broker of the Year 2024-25 Top 1% Nationwide Scotsman Guide 2025-26 500+ Wholesale Lenders 1,400+ Five-Star Reviews

This tool provides general educational analysis for informational purposes only and does not constitute a loan commitment, mortgage pre-approval, or guarantee of loan terms. Analysis is based on general market benchmarks and may not reflect your specific transaction, property type, or lender. Actual rates, fees, and terms vary by lender, borrower profile, and market conditions. All loan scenarios are subject to credit approval. Not an indication of loan qualification or approval.

Operated by Duane Buziak - Mortgage Maestro - Coast2Coast Mortgage LLC - NMLS #376205 - Duane Buziak NMLS #1110647 - NMLS Consumer Access - Equal Housing Lender - Licensed in VA, TN, GA, FL.