Get a Free Second Opinion
on Your Loan Estimate
Already talking to a lender? Before you sign anything, let Michelle take a look. She will review your numbers for free and tell you exactly where you stand.
This Is for You If…
You don't need to be unhappy with your lender to ask for a second opinion. You just need to want to be sure.
- A lender sent you a Loan Estimate and something feels off
- You're not sure if the rate and fees are competitive
- You've been shopping around and want a clear, unbiased breakdown
- You want an experienced set of eyes before you commit to anything
- Your lender is pushing you to close fast and you want to slow down for a second
How It Works
Three steps. No hoops.
Share Your Loan Estimate
Upload your Loan Estimate PDF or describe your situation in the form. No account needed and takes less than two minutes.
Michelle Reviews It Personally
Michelle looks at your rate, fees, APR, closing costs, and loan structure. Every line, not just the headline number.
You Get Her Honest Take
Michelle will reach out within 1 business day with a plain-English breakdown. If she can do better, she will show you. If your deal is solid, she will say that too.
Your Documents Are Secure
Your file goes directly to Michelle. Never shared, sold, or stored beyond your review.
Fast Turnaround
Response within 1 business day, usually the same day for submissions before noon Pacific.
Honest Feedback
If your deal is solid, Michelle will tell you. If it is not, she will show you exactly what is off.
Submit Your Loan Estimate
Fill out the form and attach your Loan Estimate if you have it. Michelle will take it from there.
What Michelle Looks For
When reviewing a Loan Estimate, here are the six things she checks first.
Interest Rate vs. Market
Is your rate competitive for your credit score, loan type, and down payment?
Lender Fees
Origination charges, underwriting, and processing fees. These vary widely and some lenders bury markups here.
APR vs. Rate Gap
A big spread between your rate and APR is a red flag. It usually means higher fees are baked in.
Discount Points
Are you paying points to buy down the rate? Michelle will tell you if the math actually works in your favor.
Loan Type Fit
Is FHA the right call, or would conventional save you more long-term? Not every lender will tell you the truth here.
Total Closing Costs
Title, escrow, prepaids. Are the numbers reasonable for your market and your loan size?
Common Questions
Ready for a Second Set of Eyes?
Submit your loan estimate above or call Michelle directly. She answers her phone.
Michelle Overstreet · NMLS# 1592229 · Barrett Financial Group · Licensed in California · This is not a loan commitment.