Comparewell method
How we research
Coach's call
Every page on Comparewell starts from a question a reader is likely to ask and ends with the primary source that answers it. For mortgage shopping, the Consumer Financial Protection Bureau's rules on Loan Estimates and credit inquiries carry the most weight here, so those pages are checked first whenever they change.
Last reviewed against the primary sources listed below.
Where questions come from
Topics come from the questions people type into search engines about this subject, gathered from free public autocomplete suggestions, then narrowed to the ones this site's focus can answer well.
Sources we rely on
Pages cite these primary sources, among others. Each guide lists the exact sources it used at the bottom of the page.
- CFPB: What happens when a mortgage lender checks my credit?
- CFPB: Loan Estimate explainer
- CFPB: What's a lock-in or a rate lock on a mortgage?
- CFPB: Can my final mortgage costs increase from what was on my Loan Estimate?
- CFPB: Credit reports and scores
- AnnualCreditReport.com: the official site for free credit reports
- CFPB: Buying a house
How a page is checked
- Each rule is checked against the current version of its source document.
- Simplified explanations are reread against the original text.
- The review date at the top of the page is updated only after that check.
Pages written this way
- What you need before you shop for a mortgage
- Does shopping for a mortgage hurt your credit? The inquiry window
- How to compare mortgage lenders on the same day and terms
- How many mortgage quotes should you get?
- How to negotiate a mortgage with a competing Loan Estimate
- Mortgage shopping mistakes to avoid
- Which closing services can you shop for on a mortgage?
- How to start shopping for a mortgage: the first three steps
About the Comparewell shopping-week planner
The Comparewell shopping-week planner uses only what you type, works entirely in the browser and keeps nothing.
Rules of the game
- CFPB: What happens when a mortgage lender checks my credit?
- CFPB: Loan Estimate explainer
- CFPB: What's a lock-in or a rate lock on a mortgage?
- CFPB: Can my final mortgage costs increase from what was on my Loan Estimate?
- CFPB: Credit reports and scores
- AnnualCreditReport.com: the official site for free credit reports
- CFPB: Buying a house