Everything you need to know about comparing Loan Estimates with FinKit.
FinKit is a free, privacy-first Housing Decision Platform. We help American families compare mortgage Loan Estimates side by side, understand every fee, and negotiate with confidence — all without collecting your personal data.
Yes, completely free. No paywall, no premium tier, no subscription. We believe helping families make confident housing decisions shouldn't come with a price tag.
No. FinKit does not require an account, email address, or any personal information. Start comparing Loan Estimates immediately — no sign-up required.
Nothing. All calculations run entirely in your browser. Your numbers never leave your device. When you close the tab, your data is gone. FinKit has no servers that store your Loan Estimate information.
A Loan Estimate is a standardized 3-page form that lenders are required to provide within 3 business days of your mortgage application. It details your interest rate, monthly payment, closing costs, and other key loan terms in a consistent format that makes comparison possible.
The CFPB recommends comparing at least 3 Loan Estimates. Studies show that comparing 3-5 lenders can save borrowers $3,000-$5,000 on average. FinKit makes it easy to compare them side by side.
No. FinKit is completely independent. We have no financial relationship with any lender, broker, or real estate company. Our only incentive is helping you make a better decision.
Never. We don't share your information with anyone. You will never receive a phone call, text message, or marketing email because you used FinKit.
Yes. You can save results to your browser's local storage using the Save to Portfolio button, download a PDF report, or email the comparison to yourself. All of this is local to your device.
No. FinKit provides educational tools and comparisons for informational purposes only. We are not financial advisors. Always consult with a qualified professional before making housing decisions.