Use the actual offer.
The CFPB explains that a Loan Estimate is a standardized form describing important details about a loan offer. Request and review estimates from multiple lenders when comparing specific offers.
Ask what is included.
Talk through the payment, closing costs, and features of the loan. Ask for an explanation of anything you do not understand.
Make the comparison useful.
Bring the actual documents into the conversation with your lender. Keep financial documents inside the approved application and communication systems.
Source: CFPB: Choosing a loan offer
General education does not determine eligibility or recommend a loan. It does not replace your lender’s explanation of your documents.
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