Homebuying
How to Read a Loan Estimate (Line by Line)
The three-page Loan Estimate is your best tool for comparing lenders. Here's how to actually use it.
Page 1: loan terms and payment
Rate, monthly payment, prepayment penalty, and balloon features — the parts most buyers focus on.
Page 2: closing costs
Origination charges, services you can shop for, and services you can't — where lender fees hide.
Page 3: comparisons and APR
The 5-year total cost and APR give you a real apples-to-apples comparison between lenders.
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