About Mortgage Unpacked

This site, mortgageunpacked.com, explains how mortgage rules work, using the published guidelines themselves, so you can read your own Loan Estimate and talk to a lender with better questions. Start with the guides by topic.

What we are not

• Not a lender, mortgage broker, or loan originator.
• We don’t take applications, collect personal financial information, quote rates, recommend loans, or tell anyone whether they are eligible.
• Not affiliated with, endorsed by, or paid by any lender, builder, real-estate brokerage, title company, or government agency. Program names such as FHA, VA, USDA, and Fannie Mae are used only to describe their published rules.
• Not financial, legal, or tax advice.

Money

This site has no ads, affiliate links, referral fees, or paid placements.

Corrections

Rules change and mistakes happen. Each citation shows when we checked it; always confirm with a licensed lender and the source itself. Every source, with its check date, is listed on Sources and editorial policy.