No mortgage surprises: read your Loan Estimate

Halloween is Saturday, October 31, 2026.

A good rule for any loan is that nothing should come as a surprise. The Consumer Financial Protection Bureau explains that the Loan Estimate describes the loan you requested, including principal and interest, estimated taxes and insurance, closing costs and the cash you will need to close.

The CFPB suggests checking it against what you discussed with your lender, confirming the loan type and term, and asking about anything that differs. That includes the homeowner's insurance and property tax figures, which the lender does not set.

A loan should be explained one step at a time, and Kimberli is happy to walk you through each document before you sign anything. If a term or a number is unclear, ask, and keep asking until it makes sense. Keep your Loan Estimate and the final documents together so you can compare them line by line before closing. Call from Katy, Cypress, Fulshear or anywhere in Texas.

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