Mortgage offer comparison
Which Loan Estimate is actually less expensive over your timeline?
Compare rates, lender fees, points, credits, cash to close, five-year cost, and remaining balance on equal terms.
A trustworthy answer needs more than a shortcut.
This decision depends on cash flows, edge cases, and the comparison horizon. Until those are all included, use the available mortgage calculator for payment, amortization, and extra-principal questions.