Homera analyzes your Loan Estimate against 100,000+ documents and 40 years of forensic case work — and gives you the exact questions to ask before you sign.
"You are navigating one of the largest financial decisions of your life in near-complete isolation, with only the word of someone who gets paid when you sign."Kelly McGinnis, Founder, Homera
As Featured In
"The most dangerous mortgage is the one that feels responsible."
Marie McDonnell, Forensic Mortgage Analyst · Certified Fraud Examiner · Master Analyst in Financial Forensics®
A lender's job is to produce an approval. They are not required to tell you whether that structure serves your life. Everyone at the closing table gets paid when you sign, not when you're better off five years later.
The Loan Estimate is the only moment in this transaction where you have full information and the power to walk away. Most borrowers treat it as a formality.
Homera was built to answer the question the industry was never designed to ask.
Which describes your situation?
The same analysis that takes a forensic accountant days: automated, plain-English, and ready before you commit to a lender.
Drawn from Marie McDonnell's forensic case files, expert testimony, and 40 years of mortgage audits. Identifying details omitted.
Cases from Marie McDonnell's forensic mortgage files and public court records. Homera is built to catch these patterns before you sign, not years later.
Every party in your mortgage transaction gets paid when you sign. Homera is the only one whose only job is to protect you.
The Homera report is designed to be forwarded to your spouse, your attorney, or your realtor. Professional-grade analysis in plain English, not legalese.
Most people focus on the monthly payment. Run the numbers on what you're actually committing to over the life of the loan, then see what Homera typically catches.
Estimates assume ~20% down (home value = loan ÷ 0.8). Tax rates are state effective averages; insurance rates are statewide averages. Actual figures vary by property, insurer, and municipality.
These are illustrative examples, not averages or guarantees. Homera provides analysis and prepared question language. Borrowers bring those findings to their own lender conversations.
Essays on the mortgage systems nobody explained to you, written by a CFO and forensic mortgage accountant.
I'll walk you through every module personally: real cases, live document reviews, and the questions I wish every borrower would ask before signing.
Not because everything was perfect. Because they knew exactly what they were signing.
The average problem Homera catches is worth $8,000–$20,000 to the borrower. Professional analysis for the biggest purchase of your life.
On a $400,000 loan, $299 is 0.07% of the transaction. One flagged fee negotiation typically pays for it many times over.
Homera brings together CFO-level financial systems experience and 40 years of forensic mortgage case work, purpose-built for the person the industry was never designed to inform.
Get the Homera Guide: 10 essays on the mortgage systems nobody explained to you. Free, every week. Written for the person making the biggest financial decision of their life.
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The 3-page CFPB document your lender sent within 3 days of your application.
3 findings require action. 1 is critical. Use the questions below to negotiate before committing.