The Second Look Program

Already have a rate quote? Let us show you the Mortgage Austin difference. Bring us your Loan Estimate and we will run the same scenario through our system. You compare, you decide.

How It Works

01

Share Your Loan Estimate

Upload your current Loan Estimate from another lender, or simply tell us the rate and terms you were quoted. That is all we need to get started.

02

We Run the Numbers

Within 24 hours, we run the exact same loan scenario through our system. Same loan amount, same term, same property. Apples to apples.

03

You Compare and Decide

We 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, we operate with significantly lower overhead. We do not have a retail markup. We have direct access to the broker channel, which means we 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 We Compare

We do not just look at one number. We 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 we can beat your current offer, great. If we cannot, we will be the first to tell you to take the other deal. We would rather earn your trust than pressure you into something that is not the right fit.

Get Your Second Look

Send us 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.

NMLS# 2403080 | Ferrando Financial LLC | Equal Housing Opportunity