Mortgage Whistle is a 100% accessible, easy to use, and cost-effective service that assists all participants in the mortgage process
by identifying excessive and non-allowable mortgage fees.
Mortgage Whistle's formulas incorporate current federal regulations and guidelines, specifically:
Mortgage Whistle is not a collection agency. The recovery of mortgage overcharges remain the responsibility of the consumer with
advocacy from federal regulators as the authority of compliance.
Regardless of whether your mortgage is a purchase, refinance, cash-out refinance, streamline or
VA Interest Rate Reduction Refinance (IRRRL), construction, jumbo, or Native American Direct Loan (NADL); they all could
have excessive and non-allowable mortgage fees.
Mortgage Consumers benefit from Mortgage Whistle by having the ability to independently verify whether they were overcharged
mortgage fees; and if overcharged, would have a basis for filing a claim to recover those overcharges.
Mortgage Lenders who want to build an unparalleled reputation of trust with their customers and confidence with their brand benefit
by using Mortgage Whistle; presenting the results to their customers at the closing table.
Federal Regulators benefit by leveraging Mortgage Whistle's 100% consumer accessiblity to prescreen for fee compliance, thus
allowing focused attention by regulators on files already identifed with deficiencies (errors), instead of random selection, in the enforcement
of government regulations.
Mortgage Whistle is as easy as 3-steps and less than 15 minutes:
Optimally, your lender will offer it and provide it at closing; showing you line-by-line what was entered into your closing
documents alongside that entered into Mortgage Whistle, with the results yielding no overcharges.
Else, post-closing at home, in a pressure-free environment.
Your mortgage is a contract, so even if you've closed on your mortgage recently, 15, or 30 years ago, and your mortgage is still in effect,
then you may still have the right to recover any excessive mortgage fees you may have incurred at the time of closing, as well as, any interest
on these fees that were financed into the loan.
Yes, Mortgage Whistle's full functionality is accessible on a laptop or desktop computer, but may be used with full
computational functionality on any handheld device (smartphone or tablet).
For the nominal fee of $4.95, Mortgage Whistle flags up to 9 items:
Items tested are based on: