This offer is mathematically consistent.
Reported payment and expected payment are within tolerance.
Before you accept the offer
Know what the lender offer really says.
TermReviewr checks offer documents for payment math, missing cost terms, and unfair comparisons so buyers can ask sharper questions before they sign.
No sales pressure Built for offer review
Offer ValidationDecision Summary
Not fully reviewed yet.
Fees, lender credits, and early repayment terms need confirmation.
Payment mathHighCost completenessMediumContract riskLow
The moment of doubt
Most people do not need more paperwork. They need a second set of eyes.
Use casesYou received an appraisal and a lender offerCheck whether the numbers, assumptions, and missing cost terms deserve a follow-up before you move forward. You are comparing two or more lender offersSee which offer appears cheaper, then verify whether the comparison is fair enough to trust. You are refinancing and do not want surprisesLook for payment math, APR signals, fees, credits, and early repayment terms before the new loan replaces the old one. You want questions to send before signingTurn confusing offer language into practical questions you can send to the lender or broker.
Built for the moment when the offer starts to feel serious.
TermReviewr is for buyers who are past browsing and need to understand the actual terms in front of them.
Real buying moments
The situations TermReviewr is built for
First-time buyer with one lender offer
The monthly payment checks out, but fees and lender credits are not clearly shown. That is the moment to ask the lender for the full cost breakdown before signing.
Caught missing cost terms before commitmentBorrower comparing two offers
One offer appears cheaper, but the loan amount, down payment, credit score, and rate lock are different. That is not a clean apples-to-apples comparison.
Avoided treating unequal offers as equalRefinance shopper focused on payment
The new monthly payment is lower, but total repayment and early repayment terms still matter. A refinance should reduce pressure without hiding long-term cost.
Shifted focus from payment to real costFirst-time buyer with one lender offer
The monthly payment checks out, but fees and lender credits are not clearly shown. That is the moment to ask the lender for the full cost breakdown before signing.
Caught missing cost terms before commitmentBorrower comparing two offers
One offer appears cheaper, but the loan amount, down payment, credit score, and rate lock are different. That is not a clean apples-to-apples comparison.
Avoided treating unequal offers as equalRefinance shopper focused on payment
The new monthly payment is lower, but total repayment and early repayment terms still matter. A refinance should reduce pressure without hiding long-term cost.
Shifted focus from payment to real costTier 1
Offer Validation
For one offer, TermReviewr focuses on the question every buyer quietly has: does this look right, and what should I ask before I trust it?
- Checks whether the payment math is consistent.
- Flags missing fees, credits, insurance, escrow, taxes, and early repayment terms when the data exposes them.
- Turns lender language into questions you can send before signing.
Tier 2
Offer Comparison
For multiple offers, the product does not just crown the cheapest option. It shows why the comparison may be unequal.
- Shows the apparent cheapest offer by monthly payment, APR, and total repayment.
- Warns when loan amount, down payment, credit score, or lock period differ.
- Separates price, assumptions, risk, and contract terms so the comparison feels fair.
The trust builder
Review an offerCheapest is not always best.
A lower payment can come from a smaller loan, a higher down payment, a better credit score, or a shorter lock period. TermReviewr calls that out instead of pretending every offer is equal.
Questions buyers ask
What to know before you upload an offer
What does TermReviewr check?
It checks lender offers for payment math, missing cost terms, and comparison assumptions using the information available in the uploaded offer.
Does this replace legal or financial advice?
No. TermReviewr helps buyers understand and question offer terms before signing, but it does not replace professional legal, tax, or financial advice.
Why does offer fairness matter?
A cheaper offer may use different assumptions, such as loan amount, down payment, credit score, or rate lock period. TermReviewr flags those differences.