What is Your PHLA™ Looking At?  

Your PHLA™ will review your every documentation line-by-line.

However, they will paying particularly close attention to your:

• Good Faith Estimate (GFE)
• Truth In Lending (TIL)  

These two critically important disclosures will detail the terms of the home loan the lender is proposing along, with associated fees, interest rate, and APR. 

It is important to remember that these are only estimates made in "good faith" by the lender and are in no way a commitment on behalf of the lender to either make you a loan or to deliver a loan with the terms quoted in these documents. 

However, your PHLA™ will help you reveal which lenders are quoting terms:

1. They can deliver
2. That are excessive or predatory
3. That likely cannot be delivered, ie..missing fees or other components

Your PHLA™ will help you determine who is committing loan terms they can likely deliver and who is not!

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