Put two loan offers on equal footing and compare the actual dollars paid.
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For fixed-rate amortizing loans. Adjustable rates, balloons, penalties, taxes, and optional insurance require separate review.
Important: This is a general educational planning tool. It does not create legal rights, make an official determination, or replace a current quote, signed agreement, government instruction, or advice from a qualified professional who knows your facts and jurisdiction.
Primary reference: CFPB loan comparison guidance. Rules, thresholds, rates, and forms can change; verify them before acting.