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.
This page explains the kinds of sources our guides rely on and how we handle the fact that
mortgage information changes over time.
The sources we rely on
For rules, eligibility, programs, and consumer protections, we prioritize government and
regulator primary sources, including the Consumer Financial Protection Bureau (CFPB), the U.S.
Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), the
Department of Veterans Affairs (VA), and comparable official agencies. For market context and
figures, we use reputable industry data and official lender disclosures. Where we describe a
rule or program, we aim to ground it in the source that actually governs it.
How we handle recency
Mortgage rates, fees, loan limits, and program terms change — sometimes frequently. We
work to reflect current information at the time of writing and to revisit guides as rules change.
Even so, by the time you read a guide, specifics may have moved. Treat dates and figures as a
snapshot, not a live feed.
Rates and examples are illustrative
Any rates, payments, or savings figures in our guides are illustrative examples used to show
how something works. They are not rate quotes, offers, or guarantees, and they do not reflect
what any particular lender will offer you. Your actual rate and costs depend on your credit,
property, loan details, and the lender.
Informational, not a quote
We are a publisher, not a lender or a rate-quote service. We do not collect applications or
provide personalized offers. Before acting on anything you read here, confirm current rates and
terms directly with licensed lenders, and consider professional advice for your situation.
Editorial review
How sources are checked before publication is described in our
Editorial Standards.