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Loan Estimate Guide
Click any box on a sample Loan Estimate to see what it means and what to check.
The APR, TIP and In 5 Years figures here are illustrative for this fictional sample loan only. They are not an APR for your loan, a rate quote or an advertised rate. Your lender's Loan Estimate shows your actual figures.
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Fictional $400,000 San Antonio purchase · 30-year fixed · 6.75% sample rate, not a quote.
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Page 1 of 3FICTIONAL SAMPLE · NOT A QUOTE
Check this on your form A term worth knowing
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Form reference: CFPB Loan Estimate explainer · Official H-24 model form. These explanations are my own. CFPB: when estimated fees change.
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My Loan Estimate checklist
Check these on your own form. Ask for an explanation before accepting a change.
5 lines to check for NO or $0
□ Prepayment penalty: NO · □ Balloon payment: NO · □ Rate can increase: NO unless you chose an ARM
□ Points: $0 unless chosen · □ Lender credits: $0 unless chosen and the rate tradeoff is understood