Make it yours
Download the PDF and open it in a form-capable PDF reader to type, check boxes and save your own copy, or print it and write by hand. Complete any totals manually. Your answers are not automatically sent to Enrique.
PAGE 1
Get your details together
ROUND 1 · Match the setup and monthly costs. Copy figures from each lender’s latest Loan Estimate.
A lower rate does not automatically mean a better offer. Match the loan amount, term, type, down payment and lock period before comparing costs.
Your two offers
- Lender / estimate date
- Loan amount ($)
- Loan term / type / fixed or adjustable
- Down payment ($)
- Interest rate (%)
- APR (%) · Loan Estimate page 3
- Rate locked? / expiration date
- Monthly principal & interest ($)
- Monthly mortgage insurance ($)
- Monthly estimated escrow ($)
- Costs outside escrow ($/month)
- Estimated total monthly housing cost ($)
PAGE 2
Plan your next step
ROUND 2 · Compare the upfront trade-offs. Complete totals manually; this scorecard does not calculate or select a winner.
Costs and cash needed
- Points ($ and %) · included in Section A
- Total origination charges ($) · Section A
- Lender credits ($) · Section J
- Other loan costs ($) · Sections B + C
- Prepaids / initial escrow ($) · F + G
- Total closing costs ($) · Section J
- Estimated cash to close ($) · page 2
Do not add points twice: they are part of origination charges. Cash to close also reflects your down payment, deposits and credits. Taxes and insurance estimates are not lender savings.
Your decision, with context
- My priority and expected time in this home
- Differences to resolve with Enrique
Sources and context
Educational content; not a loan approval or credit offer. Confirm requirements for your situation with your lender. Sources checked September 10, 2026.