Tools & checklists
Go beyond the numbers. These tools help you analyze offers, decode fees, and plan your strategy.
Offer Analyzer
Enter your loan offer details and see the true cost. Understand what you're really paying beyond the advertised rate.
Fee Decoder
Not sure what a fee is for? Enter fees from your loan estimate and get plain-language explanations plus negotiation tips.
Points Strategy
Should you buy points to lower your rate? See the break-even point and total savings based on how long you'll keep the loan.
Credit Repair Planner
A step-by-step guide to improve your credit score. Prioritized actions based on what moves the needle most.
How to use these tools
Get quotes from lenders first, then use these tools to understand what you're being offered. The goal is to walk into any negotiation knowing exactly what you're dealing with.
Not sure where to start? Take our guided quiz