Why this site exists
Most mortgage websites sell. This one teaches. The goal is to help you understand the loan before you talk to anyone, so you can ask better questions and make a calmer decision.
How guides are written
Each guide covers one real question in plain language, with examples and a clear next step. Guides explain how programs work under the published rules of HUD, the U.S. Department of Veterans Affairs, USDA, Fannie Mae, Freddie Mac, the Consumer Financial Protection Bureau and Florida law.
Sources we rely on
- HUD handbooks and FHA mortgagee letters
- VA pamphlets and lender circulars
- USDA Rural Development guidance and the Single Family Housing Guaranteed Loan program rules
- Fannie Mae Selling Guide and Freddie Mac Seller/Servicer Guide
- Consumer Financial Protection Bureau resources
- Florida Statutes and county property appraiser guidance
Keeping pages current
Loan limits, fees, income limits and program terms change, often each year. Pages that rely on them show the year they apply to and the month of the last update. We review those pages at least once a year and when rules change.
Examples
Scenarios on this site are illustrations. They are not real clients, and any numbers are examples only.
Corrections
If you spot something out of date or unclear, email dane@mpirefi.com. We correct errors promptly.
What this site is not
It is not legal, tax or financial advice, and it is not a loan offer. See the licensing and disclosures page.