The Second Look Program
Already have a rate quote? Let me show you the Mortgage Austin difference. Bring me your Loan Estimate and I will run the same scenario through my system. You compare, you decide.
Or call or text 512-766-7660. Answer in 24 hours, usually much faster.
The average borrower saves $10,662
That is what a national study of federal HMDA mortgage data found when it compared borrowers who used an independent mortgage broker to borrowers who went straight to a retail lender. The Second Look runs that exact comparison on your quote.
Source: Polygon Research analysis of 2023 Home Mortgage Disclosure Act (HMDA) data. Average savings over the life of the loan for borrowers in the wholesale broker channel compared with nonbank retail lenders. Individual savings vary and are not guaranteed.
How It Works
01
Share Your Loan Estimate
Upload your current Loan Estimate from another lender, or just tell me the basics: loan type, purchase price, and loan amount. That is all I need to get started.
02
I Run the Numbers
Within 24 hours, I run the exact same loan scenario through my system. Same loan amount, same term, same property. Apples to apples.
03
You Compare and Decide
I put both options side by side so you can see the difference for yourself. No pressure, no gimmicks. The numbers speak for themselves.
Why It Works
When you walk into a bank or apply with a large retail lender, you are paying for their big office, their management team, their advertising budget, and the salaries of every person who touches your file. All of that overhead gets baked into your rate.
As an independent mortgage broker, I operate with significantly lower overhead. I do not have a retail markup. I have direct access to the broker channel, which means I can often offer rates that banks simply cannot match. That is not a sales pitch. It is a structural advantage, and the Second Look lets you see it for yourself.
What I Compare
I do not just look at one number. I compare the full picture so you can make an informed decision:
✓ Interest Rate — The rate you are actually being offered, with and without points.
✓ Monthly Payment — What you will pay each month, including principal, interest, taxes, and insurance.
✓ Closing Costs — The total cash you need at closing, broken down line by line.
✓ Lender Fees — Origination charges, underwriting fees, and any other lender-specific costs.
✓ Total Cost Over the Life of the Loan — The big-picture number that shows what you are really paying over 15 or 30 years.
Zero Obligation. Zero Pressure.
The Second Look is exactly what it sounds like: a second opinion on one of the biggest financial decisions of your life. There is no commitment, no application fee, and no hard credit pull just to get a comparison.
If I can beat your current offer, great. If I cannot, I will be the first to tell you to take the other deal. I would rather earn your trust than pressure you into something that is not the right fit.
Fair Questions
Will this affect my credit?
No. The comparison uses the credit score already printed on your Loan Estimate. No new credit pull is needed to run your second look.
What does it cost?
Nothing. The comparison is free whether you switch or not. If you do choose to close with me, I am compensated the same way any lender is. There is no separate fee for the second look.
Do I have to switch lenders if you find a better deal?
No. The numbers are yours to keep. Plenty of people use the comparison to negotiate with their current lender, and that is a fine outcome. You will never get a hard sell from me.
I close in three weeks. Is there enough time?
Usually, yes. Switching lenders mid-contract is routine when the savings justify it, and I move fast. Tell me your closing date and I will tell you honestly whether the timeline works before you commit to anything.
People Send Me Their Quotes. Here Is How That Goes.
From the 89 five-star reviews clients have left across Google, Zillow, and Experience.com.
“Anthony made the process so simple! And was able to match a lower interest rate I was offered by my current lender! Communications from all of the staff were quick and clear.”
“He takes time to explain the loan process, helps me understand where I can get efficiency in each area of the loan, and he gives me honest feedback on other lender's terms. … I've gotten great competitive terms from him, and he executes properly.”
“Anthony and his team at Mortgage Austin are A++ They helped me close on time, without a hitch and saved me money! 10/10 would recommend.”
Read all 89 client reviews on the reviews page.
Anthony Ferrando, NMLS# 1919613
Loan Officer
512.766.7660
Get Your Second Look
Send me your Loan Estimate and find out what the Mortgage Austin difference looks like. It takes less than two minutes, and it could save you thousands.
Prefer to talk it through first? Schedule a 15-minute call or call or text 512-766-7660.