Get a Free Second Opinion
on Your Loan Estimate
Already talking to a lender? Good. Before you sign anything, let me take a look. I'll 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 to jump through.
Upload Your Loan Estimate
Share the Loan Estimate PDF or a photo you received from your lender. Takes about 30 seconds. No account needed.
I Review It Personally
I look at your rate, fees, APR, closing costs, and loan structure. This isn't automated. I go through every line myself.
You Get My Honest Take
I'll reach out within 1 business day with a plain-English breakdown. If I can beat it, I'll show you how. If it's a good deal, I'll say that too.
Your Documents Are Secure
Your file goes directly to me. It's never shared, sold, or stored beyond your review.
Fast Turnaround
I respond within 1 business day, usually the same day if you submit before noon Pacific.
Honest Feedback
If your deal is solid, I'll tell you. If it's not, I'll show you exactly what's off and what I can do.
Submit Your Loan Estimate
Fill out the form below and attach your Loan Estimate if you have it. I'll take it from there.
What I Look For
When I review a Loan Estimate, here are the six things I check 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? I'll 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 the Bakersfield market and your loan size?
Common Questions
Ready to Get a Second Set of Eyes?
Submit your loan estimate above or call me directly. I answer my phone.
Dan Ardis · NMLS# 1412272 · Licensed in California · This is not a loan commitment.