Mortgage Comparison Worksheet
Compare 3 lender offers side by side — payments auto-calculated, printable on Letter
Offer 1
Offer 2
Offer 3
Printable Comparison Sheet
| Factor | Offer 1: ________ | Offer 2: ________ | Offer 3: ________ |
|---|---|---|---|
| Interest rate | ____% | ____% | ____% |
| APR | ____% | ____% | ____% |
| Points | ____ pts | ____ pts | ____ pts |
| Points cost | ________ | ________ | ________ |
| Lender fees | ________ | ________ | ________ |
| Monthly payment (P+I) | ________ | ________ | ________ |
| Total interest | ________ | ________ | ________ |
| Total cost incl. fees | ________ | ________ | ________ |
| Term | 30-year | 30-year | 30-year |
| Quote date | __________ | __________ | __________ |
How to Use This Worksheet
Step 1: Collect three loan estimates
Ask each lender for a written Loan Estimate on the same day. Enter the lender name, the quoted interest rate, APR, points, and any fees. The worksheet auto-calculates the monthly payment (principal + interest) and the total interest over the loan term.
Step 2: Compare total cost, not just the rate
A lower rate with high fees can cost more than a slightly higher rate with low fees. Compare the APR and total interest columns, and check prepayment penalties and rate-lock terms before you decide. The reference rates below are national averages as of August 11, 2026 — your offers may differ.
Step 3: Print and take it to your closing
Click the print button to get a clean letter-size sheet with all three offers side by side. Keep it with your loan documents so you can confirm the numbers at closing match what you were quoted.
Reference national average rates (retrieved 2026-08-11)
| Product | Zillow / Yahoo | Bankrate | LendingTree |
|---|---|---|---|
| 30-year fixed | 6.59% | 6.78% | 6.74% |
| 15-year fixed | 5.97% | 6.13% | — |
| 20-year fixed | 6.32% | — | — |
| 5/1 ARM | 6.52% | 6.34% | — |
| 30-year refinance | 6.63% | 6.90% | 7.05% |
National averages only — your rate depends on credit, down payment, loan type and lender. Use the worksheet to compare the actual offers you receive.
Official Standards & Authoritative Sources
Bankrate
Current mortgage & refinance rates (retrieved 2026-08-11)
bankrate.com/mortgages/mortgage-ratesZillow via Yahoo Finance
National average mortgage rates (retrieved 2026-08-11)
finance.yahoo.com/personal-finance/mortgagesLendingTree
30-year fixed purchase & refinance averages (2026-08)
lendingtree.com/home/mortgage/30-year-mortgage-ratesFrequently Asked Questions
Why should I compare mortgage offers instead of taking the first quote?
What is the difference between the interest rate and the APR?
How does this worksheet calculate monthly payments?
Are the rates on this page current?
Should I compare rates on the same day?
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