Mortgage shopping worksheet

The lowest rate isn't always the cheapest loan. Put your offers side by side — rate, points, fees, and the real monthly and 5-year cost — and see which one actually wins. Free, no sign-up.

Based on the FTC Mortgage Shopping Worksheet. Prefer paper? Download it and fill it in by hand.

Loan amount

Term

Interest rate (%)

Points (%)

Lender fees ($)

Monthly P&I: $2,335
Upfront (points + fees): $3,500 ✓
5-year cost: $143,597

Interest rate (%)

Points (%)

Lender fees ($)

Monthly P&I: $2,275
Upfront (points + fees): $6,400
5-year cost: $142,927 ✓

Interest rate (%)

Points (%)

Lender fees ($)

Monthly P&I: $2,217 ✓
Upfront (points + fees): $10,400
5-year cost: $143,395

✓ marks the best value in each row. “5-year cost” = 60 monthly payments + upfront points and fees — a quick apples-to-apples comparison. Estimates only; confirm figures on each lender's Loan Estimate.

Get real offers to compare Download the printable FTC worksheet (PDF)

Tip: the easiest way to fill this in is to request quotes and let brokers compete — then drop their numbers in above.