If you've been quoted a rate somewhere else, Tony will review your locked Loan Estimate and tell you straight — whether you can do better on rate, fees, or loan structure. No pressure. Just the truth.
Interest rate vs. APR — The rate is the headline. The APR is what you're actually paying. Most people only look at one.
Lender fees & origination charges — Some lenders bury thousands in fees while advertising a great rate. Tony finds it.
Loan structure — Is the program actually right for your situation? Sometimes a different loan type saves more than a lower rate.
Prepaid costs & escrow setup — These vary by lender and can significantly impact your cash to close.
Tony has been reviewing loan estimates for years. If there's a better deal available, he'll find it — and if your current quote is solid, he'll tell you that too.
A Loan Estimate (LE) is a 3-page standardized form lenders are required to give you within 3 business days of a mortgage application. It shows your estimated interest rate, monthly payment, and closing costs.
A locked Loan Estimate means your lender has committed to a specific interest rate for a set period — typically 30–60 days. This is the document Tony needs to do a true apples-to-apples comparison.
If you only have a rate quote or pre-approval letter (not a full LE), you can still submit — Tony will tell you what he needs to give you a proper review and whether a full comparison is possible at your stage.
You don't have to switch lenders to benefit from this. Sometimes the answer is "your quote is solid — lock it." Tony will tell you the truth either way.
Interest rate, whether it's fixed or adjustable, prepayment penalty, balloon payment. The fundamentals that define your loan.
Principal, interest, mortgage insurance, and estimated escrow. What you'll actually write a check for every month.
Origination charges, third-party fees, prepaid items. This is where lenders hide the most — and where Tony finds the most savings.
What you need to bring to the table on closing day. Tony compares this across options so you're not blindsided at the table.
The true cost of the loan over its life. The number most people never look at — and the one that matters most long-term.
Upload your locked Loan Estimate and Tony will review it personally. If he can beat it, he'll show you exactly how. If he can't, he'll tell you that too.
Fill out the short form with your name, contact info, and whether this is a purchase or refinance.
Upload your locked Loan Estimate. PDF, photo, or screenshot all work fine.
Tony reviews it — usually within a few hours, always within 24. He'll call or text you with his findings.
No bait-and-switch. No pressure to switch lenders. Just an honest assessment of what you have and whether something better exists. If your current deal is the best option, Tony will tell you and wish you a smooth closing.
Upload your locked Loan Estimate. Tony reviews personally and responds within 24 hours.
Tony offers the Second Look free because it's the right thing to do. Most people don't know they're overpaying until someone shows them — and by then it's too late. This is how he builds trust with clients for life, not just one transaction.
Even if Tony can't help you on this loan, the relationship starts here. And the next time you need a mortgage, he'll be the first call you make.