Our Sources & Methodology

Every VA loan guide and requirement on this site is backed by official government sources and industry authorities. Here's where we get our information.

Primary Government Sources

U.S. Department of Veterans Affairs (VA.gov)

Official source for VA home loan benefits, eligibility requirements, COE process, and program updates.

Visit VA.gov Housing

U.S. Department of Housing and Urban Development (HUD)

Authority for VA loan limits, Mortgagee Letters, and property standards. We reference HUD Single Family Housing Policy Handbook 4000.1 and annual Mortgagee Letters for loan limit updates.

Visit HUD Single Family Housing

Consumer Financial Protection Bureau (CFPB)

Source for Regulation Z (12 CFR 1026.24) advertising compliance, TRID disclosure requirements, and consumer protection standards in mortgage advertising.

Visit CFPB

Federal Housing Finance Agency (FHFA)

Authority for conforming loan limits (conventional loans) and Fannie Mae/Freddie Mac guidelines referenced in comparison content.

Visit FHFA

Nationwide Multistate Licensing System (NMLS)

Source for lender licensing verification and NMLS ID requirements in mortgage advertising.

Visit NMLS Consumer Access

How We Verify Information

Cross-Reference Validation

Every policy claim (credit scores, down payments, loan limits) is verified against at least 3 credible sources before publication.

Annual Policy Review

Loan limits, funding fees, and eligibility requirements are reviewed and updated every time HUD or VA publishes new guidance.

Internal Data Verification

Business claims (licensing, funding volume, customer reviews) are substantiated with internal documentation and third-party verification platforms.

Expert Final Review

Pillar guides and policy pages receive a final accuracy and compliance review by CEO Vatche Saatdjian before publication.

How We Display Mortgage Rates

When rates are referenced on this site, they represent typical market rates or examples for educational purposes. Actual rates vary based on credit score, loan-to-value ratio, property type, occupancy, and lender-specific factors.

We do not guarantee any specific rate or APR. All rate information is provided for comparison and informational purposes only. To receive your personalized rate quote, apply for pre-approval.

Our Citation Standards

All VA loan limits cite the most recent HUD Mortgagee Letter
Eligibility and service requirements reference VA.gov official pages
Funding fee rates and exemptions cite current VA funding fee tables
Property standards and appraisal requirements reference VA Lender's Handbook and MPR guidelines
Compliance and advertising standards follow CFPB Regulation Z

Related Transparency Pages

Learn more about how we maintain editorial standards and protect your information

Editorial Policy

Our standards for accuracy, compliance, and expert review

Privacy Policy

How we collect, use, and protect your personal information

Questions About Our Sources?

If you need clarification on how we verify information or want to see specific source citations, we're happy to help.

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