Every lender has to give you the same 3-page Loan Estimate. Send yours to Alberto. He'll price the same loan, same lock, same property across 100+ wholesale lenders and show you the difference line by line. If your quote is already great, he'll tell you that too. No credit pull. No obligation.
Most people compare the interest rate and stop. The rate is only half the price. Here is where Alberto looks first, plus one Texas shortcut.
Start here so you compare the same loan. Check the loan amount, product, and lock date. A 15-day lock and a 45-day lock are priced differently, and an unlocked quote can change tomorrow.
Points and lender fees you pay to get that rate. A rate that looks low is often bought here. One point is 1% of the loan amount.
Appraisal, credit report, flood and tax service fees. These should be close from lender to lender. A big gap here is worth a question.
Your total closing costs after any lender credit. Always weigh rate and cost together. A lower rate with $6,000 more in costs may never pay off.
The "In 5 Years" figure and the APR roll rate and fees into one number. They are the cleanest apples-to-apples comparison on the form.
Texas title insurance premiums are set by the Texas Department of Insurance, so they should match on every quote. Differences in Section C are usually endorsements or escrow fees, not the policy itself.
Upload it below or text photos of all 3 pages. Takes about a minute.
Same amount, same lock period, same property, shopped across 100+ wholesale lenders. Personally, within 24 hours.
Rate, points, fees, cash to close, and 5-year cost next to your current quote. Then you decide. No pressure either way.
Attach the Loan Estimate, add a few details, and he'll come back with a side-by-side within 24 hours.
Call or book ten minutes with Alberto. Have your Loan Estimate in front of you and he'll walk the numbers with you live.
