Enable homeownership through well-researched content.
To give everyone who wants to own a home the absolute best chance at homeownership.
No mission worth having comes easy. That’s why we have thought through many aspects to make it happen.
We tap experts with hands-on experience in the mortgage and real estate industry to write, edit, and review content. We also contract with housing-focused freelance writers who reach out to experts for real-world insights. Learn more about our contributors.
Tim Lucas oversees the site. He has 11 years of experience working in the mortgage industry and another 12 years creating content about mortgages and real estate. He is the former editor of The Mortgage Reports, MyMortgageInsider.com, and MilitaryVALoan.com and has appeared as an expert source in U.S. News, Realtor.com, and other publications.
We use information from primary sources whenever possible. For example, the Department of Housing and Urban Development publishes its 1,883-page FHA Handbook (4000.1) which outlines current FHA guidelines. Most publications don’t even know how to access these types of documents from Fannie Mae, Freddie Mac, USDA, and the Veterans Administration, let alone use them to produce accurate content. Sadly, many websites publish already-outdated information because they used an erroneous secondary source.
We source information from first-hand experience, government websites, and some well-known for-profit and non-profit sites, as long as they have as strong or stronger editorial standards as we do.
We follow updates issued by lending agencies like Fannie Mae, HUD, and others, as well as follow industry publications to know when changes happen. When a guideline changes or we discover an error, we update old content as quickly as possible. Readers may submit correction requests to corrections@mortgageresearch.com.
Occasionally we may remove content completely when a program is discontinued and the presence of an article may confuse readers; we may also remove content when the topic is no longer relevant.
We have built an editorial process that includes 3-4 “touches” per article: Writer, editor, fact checker, and legal review if warranted. No system is foolproof, but this process helps us catch errors, or even statements that may overpromise and underdeliver, creating disappointment for readers.
While we make money when we match a reader with a lender (more on this below), these relationships don’t affect what content we write or how lenders appear in our articles.
We typically don’t rank lenders or other service providers except by verifiable facts, such as the biggest lenders by loan count, using government data. Ranking lenders by subjective data isn’t very helpful anyway, since one consumer might value an attribute, such credit score minimums, differently than we do, rendering the list useless.
We primarily create consumer-focused content for
First-time homebuyers
Younger homeowners who have purchased in the last few years
Because homebuying and homeownership are such massive topics, we feel that we can create better content for a smaller audience than if we tried to cover everything for everyone. On occasion, or in the future, we may publish news or advice for other audiences, but this is our focus for now.
We don’t use AI to generate articles. Content is produced by people and reviewed by people. We have used AI to clean and organize data for various reports.
MortgageResearch.com is owned by Mortgage Research Center, LLC, a licensed lender (NMLS 1907) that does business as Veterans United Home Loans, the largest VA loan lender in the U.S.
We make money when you are matched with a lender through a web form, rate table, or other connection opportunity on the site. This connection does not cost you anything additional. Lenders do not give you a worse rate or higher fees because you found them using this site. It’s simply part of the lender’s marketing budget that they would pay anyway (TV commercials, online ads, radio ads). This format is much better, though, since you can educate yourself on homebuying for free in the process. There’s never any obligation to continue with a lender if you are not satisfied with them.
