| Lender A | Lender B | Lender C | |
| What are the monthly payments? | |||
| What is the Annual Percentage Rate (APR)? (the cost of credit expressed as a yearly rate; includes the interest rate, points, broker fees, and other credit charges) | |||
| What is the interest rate? (the cost of borrowing money expressed as a percentage rate) | |||
| Will the interest rate change? | |||
| When? | |||
| How often? | |||
| By how much? | |||
| What will you have to pay in points? | |||
| What will you have to pay in fees? | |||
| Application or loan processing fee | |||
| Origination or underwriting fee | |||
| Lender or funding fee | |||
| Appraisal fee | |||
| Document preparation and recording fees | |||
| Broker fees | |||
| Other fees | |||
| Are any of the application fees refundable if you don't get the loan? | |||
| How many years will you have to repay the loan? | |||
| Is this an installment loan or a line of credit? | |||
| Is there a balloon payment? | |||
| What are the total closing costs? | |||
| If you use a broker, how will he or she be paid? | |||
| Does the loan include optional credit insurance? (You don't have to accept optional credit insurance to get your loan.) | |||
| If you want optional credit insurance, can you pay for it monthly instead of financing the premiums as part of your loan? | |||
| Did you get a copy of your credit score? | |||
| Can you afford this loan? |