---
title: "Under Contract? Get a Second Look at Your Loan Estimate"
canonical: https://www.ondorealestate.com/loans/second-look/
---

# Under contract? Get a second look at your Loan Estimate

You may be able to switch lenders while under contract; check your purchase agreement deadlines. Send us the key numbers from your Loan Estimate and a licensed loan officer will walk you through how they compare. No credit check to start.

Loan officer: Pranay Reddy Aleti, NMLS #2699085

## Five lines worth comparing

- Interest rate and lockPage 1A lower rate only helps if the lock lasts until you close. Check the lock expiration date at the top.
- PointsPage 2, Section APoints buy the rate down. Compare the rate and the points together, never one without the other.
- Origination chargesPage 2, Section A totalWhat the lender charges to make the loan. This is where lenders differ most.
- APRPage 3, ComparisonsRolls the rate and most loan costs into one number. Useful for comparing loans with the same term.
- Estimated cash to closePage 1, Costs at ClosingWhat you bring to the closing table after your deposit and any credits.

## Send us your numbers

Name

Email

Phone (optional)

By checking this box, you agree Ondo Real Estate may text and call you at this number about your loan using automated technology. Consent is not a condition of any purchase or service. Message frequency varies. Message and data rates may apply. Reply STOP to cancel or HELP for help. See our [Privacy Policy](/privacy-policy/) and [Terms of Use](/terms-of-service/).

Closing date

From your Loan Estimate (skip any you don't have handy)Interest rate (%)Page 1, Loan Terms

Points ($)Page 2, Section A, the "% of loan amount (points)" line

Origination charges ($)Page 2, the Section A total

APR (%)Page 3, Comparisons

Estimated cash to close ($)Page 1, Costs at Closing

Credit score, roughly760+700 to 759660 to 699620 to 659Under 620Not sure

Cash to close comes fromSavingsGift from familySale of a homeRetirement accountSomething else

New construction?NoYesNot sure

Anything else we should know? (optional)

Please don't upload or paste your whole Loan Estimate here. If we need the PDF, we'll send you a secure way to share it.

Get my second look

Loan information is provided by Ondo Real Estate (NMLS ID on file). This is not a commitment to lend, a loan approval, or an offer of credit. Rates, terms, and payments shown are estimates for illustration only, are not a quote, and are subject to credit approval, underwriting, and market conditions. You are not required to use Ondo for financing to buy or sell with Ondo. Equal Housing Lender.