Coffee & Mortgage isn't a one-time report. It's a second set of eyes on your mortgage for as long as you need one — five steps, start to finish.
There's no separate sign-up. Your real estate agent adds you to a loan file and you get an email with a link to create your account and set a password — the same invite covers everyone on the loan, so co-borrowers can each set up their own sign-in.
Drop in the PDF your lender sent you (or paste in the numbers by hand). We read every section — loan terms, projected payments, the full loan-costs table — the same way you'd read it yourself, just faster and without missing anything.
Not a false-precision score — a clear read like "Competitive offer" or "2 things worth reviewing," with the specific reasons spelled out: a prepayment penalty, an escrow cushion over the legal cap, origination fees above what's typical for your state, and more.
A chat that's grounded strictly in your actual loan file — not general internet advice. Ask what a term means, why a fee is there, or how a different down payment would change things. It will always tell you plainly when a question is outside what it can responsibly answer.
Upload a revised Loan Estimate any time and we'll flag exactly what changed. When your Closing Disclosure arrives, we check it against your Loan Estimate for TRID tolerance violations — the kind of discrepancy that can legally entitle you to a refund. Comparing offers from more than one lender? We'll rank them side by side.