Mortgage Refinancing Blog is an independent publication operated by Nightbard LLC (“Nightbard LLC,” “we,” “us,” or “our”). Our guides are researched and produced by our editorial team, referred to here as the MRB Team.
Because mortgage refinancing is a “your money” topic, we hold our content to a
clear set of standards. This page explains how our guides are made and how we handle accuracy.
Research from authoritative sources
Our guides start with primary and authoritative sources rather than secondhand summaries.
For rules, programs, and consumer protections that means government and regulator sources such
as the Consumer Financial Protection Bureau (CFPB), the U.S. Department of Housing and Urban
Development (HUD), the Federal Housing Administration (FHA), and the Department of Veterans
Affairs (VA), along with lender disclosures and other reputable industry data. See our
Sourcing Policy for more detail.
Human editorial review
Every article is reviewed by an editor before it is published. That review checks the piece
for accuracy, clarity, and fairness, and confirms that claims are supported by reliable sources.
Nothing goes live without that editorial check.
Accuracy on financial topics
We aim to describe rules, costs, and trade-offs correctly, and to make clear when figures are
illustrative examples rather than current quotes. Rates, fees, and program terms change and vary
by lender, so we encourage readers to verify specifics with a licensed professional before
acting.
Corrections
If you spot an error, please tell us at [email protected] or through our
contact page. We review every report, correct confirmed errors promptly,
and note material corrections where appropriate.
Independence from advertising
Our editorial judgments are made independently, regardless of any current or future
advertising. We do not currently display advertising; if it is introduced later, advertisers
will not be able to review or influence our content, and advertising relationships will never
earn favorable coverage. See our Advertising Disclosure.
What we don’t claim
We are a publisher of educational guides, not a certified fact-checking organization, a
licensed financial advisor, or a lender. Our content is informational and is not a substitute
for personalized advice from a qualified professional.