SAME OFFER / DIFFERENT VERSION
Track an earlier and later version of the same mortgage offer. See the differences, separate known facts from missing details, and ask for the reason in writing.
Choose text PDFs or scanned PDF copies of standard English Loan Estimates, or enter figures manually. Review automated readings before applying them. Files and entries stay on this device and clear on reload; nothing is sent to us or a lender. We do not verify entries or decide whether a change is permitted.
READ THE DOCUMENTS / KEEP CONTROL
Read an earlier and a later Loan Estimate. Text PDFs read directly; scanned pages use OCR automatically. Use “Scan every page” if the text layer is incomplete. Up to 5 MB and 12 pages per file. Clear English scans work best; handwritten, blurry or other document formats may need manual entry.
Reading happens on your device. First scan use downloads the reader and may take a minute. No document-sharing or inbox submission is part of this tool.
Edit any incorrect figure. Applying replaces all fields for this version, including blank fields; it preserves the other version and your editable request. Payment basis, rate-lock terms and scenario alignment require your review below.
Edit any incorrect figure. Applying replaces all fields for this version, including blank fields; it preserves the other version and your editable request. Payment basis, rate-lock terms and scenario alignment require your review below.
If these are different lenders or transactions, use the Loan Estimate Decoder instead.
CHANGE LOG / ENTERED FIGURES ONLY
Enter the section totals from page 2 of both Loan Estimates, including 0 where the document shows no charge. Blank means unknown. The breakdown explains entered numbers; it does not identify who caused a change.
| Item | Earlier | Later | Change |
|---|
Editing version figures or context does not replace your request. Use “Rebuild request” to reflect the latest comparison.
Estimates can change for different reasons. Dates, loan assumptions, lock terms, prepaids and escrow may matter. Ask which item changed, why it changed, and where the explanation appears. This tool does not apply fee-tolerance rules, determine legal compliance, confirm a new waiting period or tell you to proceed with closing.
Payment and cost comparisons require the same basis. Points are part of Section A; lender credits are already reflected in Section J total closing costs. Do not add points or subtract credits from those totals again.
For official guidance, see the CFPB Closing Disclosure explainer ↗ and reviewing Loan Estimates ↗.
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