Our source hierarchy, compliance review, AI rules, dating policy and corrections process for every FHA page and calculator we publish.
We write so a buyer can answer their own FHA question near the top of the page, understand the trade-offs in plain English, and take a clear next step without pressure. Pages are built for people first; search and answer engines are served by the same clarity.
HUD Handbook 4000.1, FHA Mortgagee Letters and the HUD county limit files control for program rules and limits. FHFA, CFPB, Census, BLS, FRED, FEMA and state regulators are used for the specific subject they govern. Secondary sources add context only and never override controlling guidance. Material figures carry the source and the date it was checked.
Every new or materially changed page is checked against Regulation N (MAP Rule), Regulation Z/TILA §1026.24 trigger-term rules, Florida Chapter 494 advertising requirements, TCPA consent language, our licensing footprint, and the exact sitewide licensing disclosure. We never describe ourselves as a lender and never present an illustration as an approval, offer or commitment to lend.
AI may help organize research or produce a draft, but it is never the source of truth. AI-assisted content stays unpublished until a human verifies it, and it may not invent rates, statistics, citations, credentials, testimonials, local facts, government relationships or program rules.
We report three separate signals: page updated, page reviewed, and data refreshed. A date is never bumped simply to look fresh — a review that finds nothing material moves only the reviewed date. When an authoritative source changes, the affected pages are re-checked and the sitemap and index feeds are refreshed.
Email us with the page URL, the statement you believe is wrong, and the authoritative source that supports your view. We investigate, correct the page when the evidence supports it, and keep an internal record of what changed and why.
Every calculator states its assumptions, its limitations and the FHA factors it uses, and labels its output as an illustration. When a factor changes — annual MIP, UFMIP, loan limits, seller concessions — the tool and the surrounding explanation are updated together so they never disagree.
Our education is not written to favor a particular lender or investor. Where a page describes down payment assistance or credit-monitoring services, it is described generically with its requirements and drawbacks stated alongside its benefits.
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