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title: "Free Loan Estimate Review — Nate Moghadam, NMLS #906770"
description: Think you might be overpaying for your mortgage rate? Send me your Loan Estimate and I'll review Section A for free — no obligation.
---

NateLoans

Free 20-Minute Review

# Are You *Buying Down* Your Rate Without Knowing It?

If Section A of your Loan Estimate is over $1,500, your lender may be burying fees inside your "low rate." I'll review it with you for free — no pressure, no obligation.

What to look for

On your Loan Estimate, flip to page 2 and find **Section A — Origination Charges**. This is the only section your lender actually controls. If it's over **$1,500–$2,000**, you're likely paying for discount points or admin fees that are buying your rate down — and you may be able to get a better deal elsewhere.

- I'll review your Loan Estimate's Section A line by line
- Tell you whether those fees are justified — or if you're overpaying
- Show you what a competitive quote actually looks like
- 20 minutes, completely free — no strings attached

[Get a Free Review →](https://nateloans.com/rate-quote?hsLang=en) [Or Book a Free 20-Minute Call →](https://calendly.com/natemoghadam/loan-estimate-review) No sales pitch. Just an honest look at whether you're getting a fair deal.

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**Nate Moghadam — Loan Officer, NMLS #906770**

Top 1% loan officer licensed in 14 states. I've helped hundreds of buyers understand what they're actually paying for — and find better deals when their current quote isn't competitive.

 Nate Moghadam, NMLS #906770 | Fairway Independent Mortgage Corporation, NMLS #2289 | Equal Housing Lender  
 Licensed in CA, CO, FL, ME, MD, MA, NH, NJ, NC, PA, RI, TN, TX, VA  
[Fairway Independent Mortgage Corporation Disclosures](https://www.fairway.com/legal/legal-disclosures)