Match the assumptions
Confirm the purchase price, loan amount, term, loan type, occupancy, down payment, and whether the interest rate is locked before comparing.
A useful comparison starts with the same property, loan type, term, down payment, rate-lock status, and timing. Then review the full disclosure, including projected payments, costs, credits, cash to close, and features that can change over time.
Review payment components
Separate principal and interest from estimated taxes, insurance, mortgage insurance, HOA dues, and other housing costs.
Study costs and credits
Review origination charges, points, lender credits, required services, optional services, prepaid items, and initial escrow funding.
Ask what can change
Identify adjustable features, balloon payments, prepayment penalties, estimated taxes or insurance, and items that depend on the chosen providers or closing date.
Start with a personal planning conversation.
Share your goals, property, and timing with Brenda before narrowing the financing path.
Sources and related resources
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