Editorial Policy
How We Create Content
How Impact Mortgage Group researches, writes, and maintains content about a company offering services in the field of mortgage lending and home financing solutions.
Our Commitment
Editorial standards are critical for mortgage and home financing content because inaccurate information can lead borrowers to make costly decisions—such as locking into the wrong rate, missing out on down payment assistance, or misunderstanding loan terms like APR versus interest rate. For Impact Mortgage Group, every article must help consumers navigate complex regulations, avoid predatory practices, and understand how products like conventional, FHA, VA, or jumbo loans apply to their unique financial situation. Bad advice in this space doesn’t just confuse; it can cost families thousands or delay homeownership.
How We Work
Our Editorial Process
1
Research Process
Each article begins by consulting primary sources: the Consumer Financial Protection Bureau (CFPB) for regulatory updates, Fannie Mae and Freddie Mac selling guides, HUD handbooks for FHA lending, and VA Circulars for VA loan requirements. We cross-reference current rate data from the Freddie Mac Primary Mortgage Market Survey and review underwriting guidelines from major investors. When discussing niche topics like non-QM loans or first-time buyer programs, we interview licensed loan officers, real estate attorneys, or certified housing counselors. All statistical claims about market trends or borrower behavior are sourced from peer-reviewed housing studies or federal agency reports.
2
Writing Standards
We translate complex mortgage concepts—such as discount points, amortization schedules, or debt-to-income ratios—into clear, decision-focused language using real-world examples and step-by-step explanations. Every actionable claim (e.g., ‘a 620 credit score is the minimum for an FHA loan’) is directly linked to the governing guideline from HUD or the VA, with a timestamp on the source. Bias is avoided by presenting both sides of trade-offs (e.g., adjustable vs. fixed rates) and explicitly disclosing when a product may only be available through specific lender partnerships. We never use vague superlatives like ‘best rates’ without citing a specific market condition or lender comparison.
3
Review & Fact-Checking
Before publication, each article undergoes a two-tier review: first by an editor trained in mortgage compliance to verify that all rate and guideline references match current agency handbooks, and second by a subject-matter expert (typically a senior loan officer or underwriter) who checks for technical accuracy on items like loan limits, seasoning requirements, and occupancy rules. We specifically flag any statement that could be interpreted as a guarantee of approval or a promise of rates, and remove any outdated references to expired programs or temporary forbearance rules.
4
Updates & Maintenance
Mortgage guidelines and rates can shift weekly—for example, FHA loan limits are updated annually, and conforming loan limits adjust each November based on FHFA data. We review all time-sensitive content (e.g., first-time buyer programs, rate forecasts, and down payment assistance grants) at least every 90 days, and more frequently when a major regulatory change is announced. Articles are immediately flagged for revision when a government agency issues a new mortgagee letter, circular, or bulletin affecting the topic.
Corrections & Accuracy
If a reader reports an error—such as an outdated VA funding fee percentage or an incorrect county loan limit—we verify the claim against the current official source within one business day. Once confirmed, a correction notice is appended at the top of the article explaining the specific change and the date it was updated. For material errors that could affect a borrower’s decision, we also update related internal links and notify subscribers via a brief email or site alert.
Editorial Independence
Impact Mortgage Group maintains full editorial independence: no advertiser, affiliate partner, or internal sales team can influence the content, topic selection, or conclusions in our articles. All lender partnerships or sponsored content are clearly labeled, and we explicitly disclose if a recommended product is offered by an affiliate. Our writers and reviewers receive no compensation tied to loan volume or conversion metrics, ensuring that every recommendation is based solely on factual accuracy and borrower benefit.
Found an Error?
If you spot inaccurate or outdated information in any of our articles, please let us know. We take corrections seriously and update our content promptly.