What to check line by line
- Loan amount, interest rate, and loan term
- Monthly principal and interest, plus escrow
- Whether there's a prepayment penalty or balloon payment
- Closing costs compared to your Loan Estimate
- Cash needed at closing
Why the fine print matters
After 18 years as a paralegal, I've seen how one overlooked detail can follow someone for years. I walk through the documents with you so nothing is a surprise.
Protect your closing funds
Wire fraud is a real risk. Always confirm wiring instructions by phone, using a number you already trust, never one from an email.
The bottom line
You should understand every page before you sign. If something doesn't make sense, ask. That's what I'm here for.
This is general information, not financial advice or a commitment to lend. All loans are subject to credit approval, and programs vary by lender and eligibility.