Compare Before You Commit™

Got a quote? Let's see if it survives.

Type five numbers off any Loan Estimate, set how long you'll keep the home, and see the true cost of their loan against ours — including whether discount points are worth it at your timeline. Buyers welcome. Realtors: send this to your clients before they sign anything.

Their quote

From the Loan Estimate, page 1 (Loan Terms & Closing Costs)
Section A: "% of loan amount (points)"
Rest of Section A + B
"Mortgage Insurance" line, if any

Nichols Home Lending

Pre-filled from today's live pricing — adjust to match your actual Nichols quote
Today's real rate-and-points combinations
Underwriting fee only — no junk fees. Enter it from your Nichols quote.
7 years
The verdict at 7 years
Enter both quotes to compare.
Their true cost
Nichols true cost
Their monthly (P&I + MI)
Nichols monthly (P&I + MI)

"True cost" = upfront points and lender fees, plus all interest and mortgage insurance you'd pay over the period, using standard amortization on the numbers entered. It excludes taxes, insurance, and third-party fees, which are the same whoever your lender is. This is an educational comparison, not a Loan Estimate; we'll gladly do the official version with your documents. If their deal genuinely wins, we'll tell you that too.

For real estate agents

Your buyers sign smarter. You look like the hero.

Send clients here before they commit to any lender. It takes two minutes, it's brutally honest — sometimes the other quote wins and we say so — and when we do win, your deal closes in about 16 days. Want co-branded flyers or a lunch-and-learn for your office?

Why agents send us their buyers

  • 16-day average closeYour offers can promise dates others can't.
  • Answers on weekendsOffer deadlines don't wait for Monday. Neither do we.
  • No blown pre-approvalsWe underwrite up front so your contract doesn't die in week three.