Free Beta · Built by LOs, for LOs

The loan comparison your
borrowers actually understand

Side-by-side Conventional, FHA, VA, and USDA with real closing costs, accurate MIP/PMI, and a shareable borrower-ready presentation — all in one link, no login required.

Open the Tool — It's Free Get Your Branded Link
Live Example — $500,000 Purchase · Florida · 760 FICO · 20% Down
Option 1 CONV
$3,842/mo
Total Monthly (PITI)
Rate7.125%
Loan Amount$400,000
Cash to Close$117,450
APR7.401%
Option 2 FHA
$4,109/mo
Total Monthly (PITI)
Rate7.375%
Loan Amount$491,238
Cash to Close$38,210
APR8.102%
Option 3 VA
$3,988/mo
Total Monthly (PITI)
Rate6.875%
Loan Amount$510,750
Cash to Close$19,840
APR7.318%
★ = lowest in category  ·  All figures are estimates for illustration Build Your Own
What's Included
Everything a loan officer
actually needs in a comparison

Built by a working LO. Every number, every fee, every line item — laid out the way a real closing disclosure looks.

📊
Up to 4 Scenarios Side-by-Side
Compare Conventional, FHA, VA, and USDA in one view. Each scenario is fully independent — different rates, terms, down payments, loan types.
📋
Real Closing Cost Breakdown
Organized exactly like the official Loan Estimate — Section A through G. State-specific transfer taxes, FL doc stamps, mortgage recording taxes, title insurance, prepaids, and escrow reserves.
🔗
Shareable Borrower Link
Generate a read-only link for your borrower in one click. The entire comparison is encoded in the URL — no server, no login, no account needed.
🏷️
Fully Branded to You
Your name, NMLS#, company, phone, and email appear on every view. Borrowers always know who prepared the comparison.
🧮
Accurate MI / MIP / Funding Fee
PMI by LTV and FICO tier. FHA upfront MIP + annual MIP with HUD refund table for streamlines. VA funding fee with first-use logic. USDA guarantee fee.
📉
DTI Qualifier Built In
Enter income and monthly debts. See front-end and back-end DTI for every scenario with program-specific limits — Fannie/Freddie, FHA, VA, USDA.
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FHA Streamline MIP Refund
Enter the original close date and loan amount. The tool calculates the exact HUD refund percentage, net UFMIP, and verifies net tangible benefit automatically.
💸
Lender Credits & Discount Points
Set discount points or lender credits per scenario. Immediately see the dollar impact on closing costs and the APR effect reflected in every comparison.
🖨️
Print / Save as PDF
One click to print or save a clean PDF from any view — LO or borrower. No extra software, no formatting issues.
Workflow
From quote to borrower
in under 5 minutes

No setup. No training. Open the tool, fill in the numbers, send the link.

1
Open your branded link
Your name, NMLS#, and company are pre-loaded. The tool opens ready to go at ask.mortgage/compare?lon=YourName&nmls=123456
2
Enter the loan details
Purchase price, state, loan type, rate, term, down payment. Taxes and insurance pre-filled with your defaults. Takes about 90 seconds.
3
Add more scenarios
Hit "Add Option" for FHA, VA, or a different rate/term. Each scenario is independent — mix and match any combination.
4
Share with your borrower
Click "Share with Borrower" — copy their read-only link and text or email it. They see a clean, locked presentation with your branding.
5
Update and resend anytime
Rates change? Terms shift? Update your LO link and send a fresh borrower link. The old one still works — nothing breaks.
Loan Programs
Every major program,
all in one place

Compare across programs and transaction types. Purchase, Rate/Term Refi, Cash-Out, VA IRRRL, and FHA Streamline all supported.

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Conventional
Fannie Mae & Freddie Mac. PMI by FICO & LTV. Conforming and high-balance limits.
🏛️
FHA
Upfront MIP + annual MIP. Full streamline refund calculator using HUD refund table.
🎖️
VA
Zero down. VA funding fee with first-use logic. IRRRL at 0.5%. No PMI ever.
🌾
USDA
100% financing. 1% upfront guarantee fee + 0.35% annual fee. 30-year fixed.
📉
Rate/Term Refi
Lower rate or change term. LTV calculated from estimated value and current balance.
💵
Cash-Out Refi
Cash-out amount added to new loan. Full closing cost and PITI recalculation.
Free Beta for Loan Officers
Get your branded link
in 60 seconds

Drop your info below and we'll send you a personalized link to the tool — pre-loaded with your name, NMLS#, and company. Share it with borrowers and Realtors immediately.

✓
Your name and NMLS# on every comparison
✓
Borrower-ready read-only share links
✓
No login, no account, no app to install
✓
Free during beta — always
✓
Works on any device, any browser

No spam. Your info only appears on your own comparison links.

4
Loan programs
50
States supported
0
Logins required