Home Mortgage Buy vs Rent Loan Analyzer Licensed Pro
Educational Tool Only. This is for educational purposes only, not financial advice. Results are estimates based on typical market benchmarks.
Banker's Reality Check

Is Your Bank's
Offer Actually Fair?

Enter your loan offer details and get an instant, honest assessment — green, yellow, or red — based on real banking benchmarks. No sugarcoating.

✓ Instant Analysis ✓ No Sign-Up Required ✓ Built by a Licensed Professional
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Enter Your Loan Offer
Fill in the details from your bank's proposal
Loan Type
Core Terms
Fees & Costs
Upload Document OPTIONAL
📄
Drag & drop your loan offer document
PDF, JPG or PNG · Max 10MB · Optional — manual input is enough
What We Analyze
Interest Rate vs Market: We compare your rate against current Fed benchmarks and typical lender spreads.
APR vs Rate Gap: A large gap between your rate and APR means high hidden fees.
Origination Fee Check: Standard is 0.5%–1% of loan. Anything above 2% is a red flag.
Prepayment Traps: Hard penalties lock you in. Banks love them. You shouldn't.
True Cost of Borrowing: The total you'll actually pay over the loan life.
Verdict
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Monthly Payment
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Total Interest Paid
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Total Cost of Loan
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Bank's Profit
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📊 Rate & Fee Breakdown
Interest Rate
vs market average
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APR vs Rate Spread
Indicates hidden fee load
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Origination Fee
% of loan amount
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Prepayment Penalty
Exit flexibility
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Rate Type Risk
Stability of your payments
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🚩 Banker's Notes
⚠️ Educational Purposes Only — Not Financial Advice. This tool provides general estimates based on typical market benchmarks and is intended for educational purposes only. It does not constitute financial, legal, or lending advice. Market rates vary by lender, creditworthiness, location, and time. Always consult a licensed financial advisor before making any borrowing decisions.