Mortgage Cost Analysis™
Mortgage Cost Analysis
Discover what may be increasing your mortgage costs before you apply
We’ll build a personalized mortgage-cost analysis of your credit profile, identify what may be affecting your mortgage position, and prioritize what deserves attention before you apply.
↗Identify hidden mortgage risks
↘See what lenders may notice
◎Estimate unnecessary mortgage costs
⌁Build your review roadmap
Estimated time3–5 min
Paid analysis$47 one-time access
No credit pullWe never access your credit
100% private • No SSN required
Mortgage Cost Analysis™ is an educational simulation. It does not offer loans, guarantee approval, or replace lender underwriting.
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Mortgage Cost Analysis™
Mortgage purpose
What are you preparing for?
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Mortgage Cost Analysis™
Timeline
When are you hoping to apply?
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Mortgage Cost Analysis™
Open credit cards
How many open credit cards do you have?
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Mortgage Cost Analysis™
Balance spread
How many of those cards currently report a balance?
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Mortgage Cost Analysis™
Cards above 50%
How many cards are currently over 50% of their credit limit?
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Mortgage Cost Analysis™
Cards above 50%
Enter the balance and limit for each card over 50%.
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Mortgage Cost Analysis™
Smallest active balances
Enter the smallest reporting balance.
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Mortgage Cost Analysis™
Mortgage payment history
Have you had a mortgage payment 30+ days late within the last 12 months?
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Mortgage Cost Analysis™
Other late payments
Any non-mortgage late payments?
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Mortgage Cost Analysis™
Late severity
What was the worst non-mortgage late?
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Mortgage Cost Analysis™
Collections / charge-offs
How many collections or charge-offs show on your reports?
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Mortgage Cost Analysis™
Account recognition
Do you recognize the collection or charge-off accounts?
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Mortgage Cost Analysis™
Current status
Are they currently paid or unpaid?
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Mortgage Cost Analysis™
Most recent derogatory
How recent is the most recent collection or charge-off?
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Mortgage Cost Analysis™
Credit age
How old is your oldest open account?
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Mortgage Cost Analysis™
Credit mix
Which types of credit have you had?
Select all that apply.
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Mortgage Cost Analysis™
Monthly impact example
Optional: what loan range should we use?
We do not offer loans. Used only for monthly impact examples.
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Mortgage Cost Analysis™
Complete
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