Loan Services Estimate Template
A general estimate template for loan-related services, with an explainer of the CFPB's official Loan Estimate form, which comes from the lender or a mortgage broker, not from you
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What this template is, and what it isn't
This page offers two separate things:
- An estimate template for your own fees. If you charge a client for work connected with a loan, such as preparing financial statements or assembling a document package for their application, the estimate lists your services and your prices.
- An explainer of the official Loan Estimate (US). That form is issued by the lender for a mortgage. It isn't this template, and nothing here has been checked against the CFPB's rules.
Don't use the template as a loan offer, a disclosure to a borrower, or a substitute for any lender's document. If you arrange or originate loans yourself, ask a lawyer or your regulator which rules apply to you.
What the official Loan Estimate is (US)
The CFPB's page "What is a Loan Estimate?" (last reviewed August 9, 2024) says: "A Loan Estimate is a three-page form that you receive after applying for a mortgage." It adds: "The lender must provide you a Loan Estimate within three business days of receiving your application." and "All lenders are required to use the same standard Loan Estimate form."
The rules are in Regulation Z. On the CFPB's copy of 12 CFR 1026.19 (checked October 31, 2026), paragraph (e)(1)(i) says: "In a closed-end consumer credit transaction secured by real property or a cooperative unit, other than a reverse mortgage subject to § 1026.33, the creditor shall provide the consumer with good faith estimates of the disclosures in § 1026.37." The CFPB's official interpretation of the timing rule says: "The disclosures required by § 1026.19(e)(1)(i) must be delivered not later than three business days after the creditor receives the consumer's application." Section 1026.37 (checked October 31, 2026) sets the content, starting with "The title of the form, “Loan Estimate,” using that term."
To see the real form, use the CFPB's Loan Estimate explainer (last modified October 29, 2025), which says: "The sample Loan Estimate shows you where you'll find information on your own form." The regulation text is on the CFPB's pages for 12 CFR 1026.19 and 12 CFR 1026.37.
What to put on a loan-services estimate
List your own work and prices, not the loan's terms:
- Your business details, who the client is and how to reach them, the estimate number, the date and a "Valid until" date
- Each service with hours × your hourly rate, or a fixed fee
- Expenses you cover on the client's behalf, for example printing or courier fees, at cost on their own lines
- Subtotal, sales tax if it applies to your services, and the estimated total
- Notes on what the price covers, and a line for the client to accept
Leave out interest rates, payments, closing costs and other loan terms. Those come from the lender.
Worked example: an estimate for loan-application support (sample figures)
Sample figures only. A bookkeeping practice prices the work of preparing a client's documents for a business loan application:
- Preparing year-end financial statements: 6 hours × $85.00 = $510.00
- Assembling and checking the document package: 1 × $150.00 = $150.00
- Printing and courier, at cost: 1 × $24.00 = $24.00
Estimated total: $510.00 + $150.00 + $24.00 = $684.00, before any sales tax. The estimate names no lender and shows no loan terms. Use your own services and prices.
Where Billed fits
Billed's features page says: "Customize your estimates according to your needs. Add your logo, business info and more in estimates." When the client accepts, the same page says: "Convert your estimate to invoice with a single click after getting approval from your client."
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What's included in this estimate template
| This template | The official Loan Estimate (US) | |
|---|---|---|
| Who issues it | You, for your own services | "the creditor" (12 CFR 1026.19(e)(1)(i), checked October 31, 2026) |
| What it prices | Your fees and pass-through costs | The mortgage you applied for |
| Format | Your own layout | "the same standard Loan Estimate form" (CFPB, last reviewed August 9, 2024) |
When this isn't for you
If you're a lender preparing disclosures for a real mortgage, use the CFPB's Loan Estimate form and Regulation Z, not this template. If you're a borrower comparing mortgage offers, review the Loan Estimates your lenders send you with the CFPB's explainer. For legal questions about a loan, ask a lawyer.
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