FeeTruth

FeeTruth is a mobile + web app that turns messy mortgage quotes into a clean, apples-to-apples comparison. Users upload a Loan Estimate (PDF/photo) or paste a quote, and the app extracts key fields (rate, APR, points, lender fees, third-party fees, credits, escrow assumptions) and normalizes them into a single “true cost” view. It flags common quote tricks (temporary buydowns, inflated credits paired with higher rates, missing lender fees, unrealistic tax/insurance estimates) and shows a break-even timeline for points and buydowns based on how long you expect to keep the loan. It also generates a short, lender-ready question list to force clarification in writing. This is not a lender marketplace; it’s a consumer-side verification tool designed to reduce expensive mistakes. Realistically, it won’t replace a broker, but it can stop borrowers from choosing the wrong offer due to misleading presentation.