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Normalize
- Align term, amortization, and cadence across offers.
- Convert fees to APR impact and total cost.
- Record prepay, covenants, caps, conversion rights, balloons.
Compare
- Run each offer in the calculator; export CSVs.
- Sum total interest + fees; score flexibility features.
- Pick the best overall fit; not just the lowest APR.
Related: compare offers, fixed vs variable, refinancing. External: CFPB · FRED · NBAA.