It is the intent of the site owner and post authors to provide the reader with as accurate data as possible. We draw from primary sources whenever possible and utilize best practices and the understanding of any investor overlays as we find available to us. Note however, that the mortgage industry is incredibly dynamic, often changing or adjusting guidelines, timelines, requirements, and other non mentioned loan parameters and rules with very little notice. While every effort is made to give you the freshest and most typical information any and all are subject to change without notice.
The purpose of this site is for the consumer and others to gain a better understanding of the loan process and workings that go into the mortgage process before during and after a loan is booked. It is meant to help those involved in a transaction where a mortgage is being obtained to better understand the details and methods behind the scenes.
All information is always subject to the guidelines and overlays of the lending body or insurer, this includes but is not limited to FNMA (Federal National Mortgage Association), FHLMC (Federal Home Loan Mortgage Corporation), USDA, FHA, VA, HUD, Investors, Banks or other lenders now or in the future.
The Golden Rule of Lending is that He who has the gold makes the rules. We the site owners and authors and simplly doing our best to report on those in a way that is comprehensible to those participating in the process.
Have helped buyers of all types and financial levels and worked on 1000's of loans.
There is always something new!
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