UNDERSTAND THE OFFER / OWN THE DECISION

Decode the estimate.
Keep your perspective.

Two written offers. Clearer questions. A decision brief you can take to any lender.

Choose two PDFs or enter figures manually—no credit pull is needed. Manual worksheet entries stay in this page’s memory and clear on reload. Using the PDF service sends the documents and extracted details as described below.

TWO ESTIMATES. ONE CLEARER PICTURE.

Start with your two PDFs.

Upload two standard English Loan Estimates to compare rates, payments and costs. Review the extracted figures before generating your report.

Your nameYour email

Estimate AEstimate B

Text PDFs and clear scanned PDFs, up to 5 MB each / 7 MB combined and 12 pages per file. Scans are read on your device using OCR; the first use downloads the reader and may take a few minutes. Keep this page open. Check every extracted figure. Blurry, handwritten or password-protected documents may require manual entry. Reading is assisted, not a document audit.

I agree to share both PDFs, extracted loan details, my name and email with Matthew Buckley as part of using this free comparison. Privacy details

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Start with what matters to you

My goalHow long might I keep the loan?

Use written estimates for the same property and scenario. Blank fields stay unknown; they are never silently treated as zero. Enter explicit zeroes where your estimate shows zero.

Offer A

Start with the basics. Expand the detail section for points, payment components and five-year figures.

Offer B

Use the same scenario and estimate date where possible. Add details when you have them.

YOUR DECISION BRIEF

What changed between the offers?

Entered figures and selected calculations
Measure	Offer A	Offer B

Questions created from this comparison

My unanswered questions and next step

This brief compares the numbers you enter; it does not verify the documents, rank lenders or make an approval or borrowing recommendation. Your holding-period note is context; the five-year figures below remain the Loan Estimate’s five-year figures.

Comparison privacy

Using Upload & compare sends both PDFs, your name, email and automated extracted loan details to Matthew Buckley at The Human Side of Sales. The documents may contain names, addresses and financial information. Submit only documents you are authorized to share; remove Social Security numbers and account numbers first. This is not a loan application, credit pull, approval or marketing subscription.

PDFs are stored outside the public website folder and available through Matthew’s authenticated inbox. Email alerts go to admin@thehumansideofsales.com without documents or borrower details. Records are retained for up to 30 days and removed when the service next runs. Scan reading runs on your device; no separate OCR service receives the documents. Automated readings may be incomplete or incorrect; review them against the originals. For privacy questions, contact admin@thehumansideofsales.com.

Know what each number means

Points are already inside Section A

Enter points separately to see the trade-off, but do not add them to Section A again. Points may buy a lower rate; ask the lender to show a version without points. One point equals 1% of the loan amount.

Selected costs aren’t all closing costs

A + B − lender credits is a selected-cost comparison. It excludes Section C and other costs. Section D is total loan costs before lender credits. Section J total closing costs already reflects lender credits; do not subtract those credits from J again.

Cash to close is not the price of the loan

Down payment, deposits, seller credits, prepaids, escrow funding and other adjustments can change cash to close. Ask for the page 2 cash-to-close calculation. Enter a negative amount only if the written estimate shows money to you; confirm the direction with the lender.

The five-year comparison has a fixed timeframe

On page 3, subtract principal paid from total paid in the “In 5 years” comparison. The difference represents the disclosed interest and fees over that period, not principal. An ARM’s comparison uses assumptions that may differ from future rates. A different holding period requires a separate calculation.

Based on CFPB comparison guidance ↗ and the Loan Estimate explainer ↗.