and we'll show you exactly which fees are too high.
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How It Works
Three steps — Free — Instant
1
Upload any Loan Estimate from any Lender.
Simply drag and drop your PDF - or click on browse to upload.
2
Our advanced fee analysis instantly highlights fees that are too high.
Fees that stand out are color coded: Red=Flagged.Yellow=Elevated.Green=In your favor.
3
Get a detailed summary of flagged fees and money you could save.
Your personalized report details every fee — so you know exactly what you're paying and why.
VA Loan Shield®
Protecting Those Who Served
Serving U.S. Military Veterans & Their Families
Analyzing Your Loan Estimate
Cross-referencing VA guidelines and market benchmarks—
Reading document structure
Extracting loan terms & fees
Applying VA Pamphlet 26-7 fee rules
Benchmarking against market rates
Flagging lender-specific fees
Generating your fee report
--/ 100
VA Loan Shield Score
90—100 looks good 70—89 worth a look <70 get a 2nd opinion
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Analysis Complete
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Step 1
Interactive Loan Estimate
Walk your LE line by line — every fee defined, flagged, and explained.
Step 2
Interactive Rate Stack
You have a menu of rates — see where yours lands and whether you're getting a fair deal.
Step 3
Your Savings Summary
See exactly what's overpriced and how much you could save before signing.
Step 4
Get Your Full Report
Get a full written breakdown you can take back to your lender — or use to shop a better deal.
From the Founder
Why We Built This
VA Loan Shield was built by Veterans, for Veterans — with one goal: make sure you never leave money on the table.
The analysis you just ran catches overcharges and prohibited fees automatically. But fees are only half the picture. Your interest rate can cost you far more over the life of the loan — and that conversation requires a real credit profile, not a guess.
Five minutes with our team and we’ll show you exactly where you stand on both.
"I've spent years watching Veterans pay lender fees that they can easily avoid — and paying rates nobody questioned because nobody showed them a comparison. That's what VA Loan Shield fixes. My team charges zero lender fees. Zero. And we'll tell you exactly how your rate stacks up. Veterans deserve both — not one or the other."
Mike OleshBranch Manager — CrossCountry Mortgage — NMLS# 1938946
Flagged Fees Summary Report
Here's What You Could Save
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VA Loan Shield®
Protecting Those Who Served
Serving U.S. Military Veterans & Their Families
Loan Terms
Projected Payments
Costs at Closing
Calculating Cash to Close
Interactive Loan Estimate
Loan Estimate
Date Issued—
Applicants—
Purpose—
Sale Price—
Loan Term—
Loan Type—
AOrigination Charges
BServices You Cannot Shop For
CServices You Can Shop For
DTotal Loan Costs (A + B + C)
ETaxes & Government Fees
FPrepaids
GInitial Escrow Payment
HOther
JTotal Closing Costs
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VA Loan Academy · Interest Rates
You Have a Menu of Rates
Step 1 of 6
"It's your house, your mortgage — you should get to pick your interest rate."
Most borrowers think their lender picks the interest rate. One or two options, take it or leave it.
That's not how it works. Lenders price a full range of rates every day. You have a menu — and most Veterans never see it.
The middle of your menu is where you'll find par — the interest rate closest to zero cost or credit. Consider it your neutral starting point. Every other option is a trade-off from here.
Rate
Discount Points
Cost / Credit
Mo. P&I
5.750%
2.323%
($9,290)
$2,334
5.875%
1.651%
($6,603)
$2,366
6.000%
1.121%
($4,483)
$2,398
6.125%
0.741%
($2,963)
$2,430
6.250%
0.461%
($1,843)
$2,463
6.375%
0.256%
($1,023)
$2,495
6.500% Par
0.000%
—
$2,528
6.625%
-0.504%
+$2,017
$2,561
6.750%
-0.661%
+$2,642
$2,594
6.875%
-1.111%
+$4,442
$2,628
7.000%
-1.471%
+$5,882
$2,661
7.125%
-1.531%
+$6,122
$2,695
Notice there are many options for interest rates lower than par. Everyone wants the lowest rate possible — but it's important to understand that comes with a cost.
Paying for a lower rate requires a fee at closing called discount points. One point = 1% of your loan amount. Notice that the rate options don't always end in smooth numbers. Discount points are a percentage of your loan amount.
Rate
Discount Points
Cost / Credit
Mo. P&I
5.750%
2.323%
($9,290)
$2,334
5.875%
1.651%
($6,603)
$2,366
6.000%
1.121%
($4,483)
$2,398
6.125%
0.741%
($2,963)
$2,430
6.250%
0.461%
($1,843)
$2,463
6.375%
0.256%
($1,023)
$2,495
6.500% Par
0.000%
—
$2,528
6.625%
-0.504%
+$2,017
$2,561
6.750%
-0.661%
+$2,642
$2,594
6.875%
-1.111%
+$4,442
$2,628
7.000%
-1.471%
+$5,882
$2,661
7.125%
-1.531%
+$6,122
$2,695
Paying discount points brings the rate down and lender credits bring the rate up. The borrower can choose to take a higher interest rate and get a credit to reduce their closing costs.
Rate
Discount Points
Cost / Credit
Mo. P&I
5.750%
2.323%
($9,290)
$2,334
5.875%
1.651%
($6,603)
$2,366
6.000%
1.121%
($4,483)
$2,398
6.125%
0.741%
($2,963)
$2,430
6.250%
0.461%
($1,843)
$2,463
6.375%
0.256%
($1,023)
$2,495
6.500% Par
0.000%
—
$2,528
6.625%
-0.504%
+$2,017
$2,561
6.750%
-0.661%
+$2,642
$2,594
6.875%
-1.111%
+$4,442
$2,628
7.000%
-1.471%
+$5,882
$2,661
7.125%
-1.531%
+$6,122
$2,695
Now that you have more choices, how do you choose? Think about the "Break Even Point" and find the deal that makes the most sense.
The break even is a calculation of the total cost or credit from par divided by the change in the monthly payment. Mouse over any interest rate below to see how we calculate the break even point and highlight the good options.
Rate
Discount Points
Cost / Credit
Mo. P&I
Break Even
5.750%
2.323%
($9,290)
$2,334
5.875%
1.651%
($6,603)
$2,366
6.000%
1.121%
($4,483)
$2,398
6.125%
0.741%
($2,963)
$2,430
6.250%
0.461%
($1,843)
$2,463
6.375%
0.256%
($1,023)
$2,495
6.500% Par
0.000%
—
$2,528
baseline
6.625%
-0.504%
+$2,017
$2,561
6.750%
-0.661%
+$2,642
$2,594
6.875%
-1.111%
+$4,442
$2,628
7.000%
-1.471%
+$5,882
$2,661
7.125%
-1.531%
+$6,122
$2,695
You just covered more about mortgage rates than most borrowers ever learn. Here's what you now know that your lender is counting on you not knowing:
✓
Your lender prices a full menu of rates every day — you're entitled to see it.
✓
Par is the neutral starting point — the rate closest to zero cost or credit. Everything else is a trade-off from here.
✓
Discount points buy your rate down. Lender credits give you cash toward closing costs — at the cost of a slightly higher rate.
✓
The break-even point tells you which trade-off actually makes sense for your situation.
Now let's look at your actual loan.
Interest rates are just one piece. Head back to your loan dashboard and we'll check every fee — Section A overcharges, non-allowable VA fees, and whether the rate you were quoted is actually par.
VA Loan Academy
New Message
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ToMike Olesh — VA Loan Specialist
Subj
MO
Mike Olesh
VA Loan SpecialistNMLS# 1938946
MO
Hi! I'm Mike — a VA loan specialist and Marine veteran.
I've reviewed thousands of Loan Estimates. What questions do you have about your results?
