The form is the same everywhere.
Every lender in the country uses this exact 3 page layout, by law. That is the point of it. Get a Loan Estimate from 2 or 3 lenders for the same loan on the same day and the differences jump right off the page.
Some numbers cannot change. Some can.
Section A, the Section B services the lender picks, and transfer taxes are locked the moment you receive this form. Recording fees and the Section C services you choose from the lender's list can rise up to 10% in total. Prepaids, escrow, insurance, and any provider you find on your own can change freely, because they were never the lender's numbers to promise.
It is an estimate, not a commitment.
Getting a Loan Estimate does not obligate you to anything, and the only fee a lender can charge before you have it is the credit report. Nothing else can be charged until you tell the lender you intend to proceed. Until then, keep shopping.
Send me your Loan Estimate and I will walk through it with you.
Email it over, or book 15 minutes and share your screen. Line by line, no obligation. It is the fastest way to know whether the offer in front of you is a good one, and I will tell you if it is.
Print the 1 page checklist.
Every "check this" item from the 3 pages, plus the 5 lines that should say NO or $0, on 1 sheet you can hold next to your own Loan Estimate.