Got a Loan Estimate?
Let Us Beat It.
Upload your Loan Estimate from any lender. Our team will personally review it and send you a side-by-side comparison with our wholesale rates — typically 0.25–0.50% lower than retail.
$4,200
Avg. closing cost savings found
0.375%
Avg. rate reduction discovered
< 1 hr
Our team will compare and respond within the hour
How It Works
01
Upload Your Loan Estimate
Upload the official Loan Estimate (LE), Fee Worksheet, or Closing Disclosure from any lender. PDF, JPG, or PNG accepted.
02
Our Team Reviews Your Document
Our team reviews your LE line-by-line — interest rate, APR, origination fees, title costs, and all third-party charges.
03
Get a Side-by-Side Comparison
Receive a clear comparison showing our wholesale pricing vs. what you were quoted. No obligation, no credit pull.
Documents We Accept
Upload any of these mortgage documents as PDF, JPG, or PNG
Loan Estimate
Most CommonThe official 3-page form from your lender showing interest rate, monthly payment, and closing costs.
- Interest Rate & APR
- Monthly Payment
- Closing Costs
- Cash to Close
Fee Worksheet
Great for Fee ComparisonDetailed breakdown of all closing costs and fees — perfect for finding where you can save.
- Origination Fees
- Processing Fees
- Title & Escrow
- Third-Party Costs
Closing Disclosure
Pre-Closing ReviewThe final 5-page document with your actual loan terms. Upload before signing to confirm nothing changed.
- Final Rate & APR
- Final Payment
- Cash to Close
- Total Loan Costs
Upload Your Loan Estimate
Your document is sent directly and securely to our team (NMLS #2221613). We never share your information.
Why Borrowers Choose Options Home Loans
As a wholesale mortgage broker, we access the same lender pricing retail banks use — without the markup.
40+ Wholesale Lenders
We shop your loan across our entire network
Zero Lender Fees
No origination fee, no processing fee
NMLS #2221613
Licensed California mortgage broker