Contributor
Legamoney Mortgage & Lending Desk
Editorial desk — mortgages, home equity, and consumer credit
The Mortgage & Lending Desk covers home loans, refinancing, reverse mortgages, home equity, student debt, and credit cards. Its guides are built from the rules that actually govern these products — TILA and Regulation Z disclosure requirements, FHA and HECM programme rules, and the conforming loan limits set each year by the FHFA — rather than from lender marketing. Rates are never quoted as a fixed number: the desk links to the weekly Freddie Mac survey so readers see the current figure. Every payment, amortisation, and payoff example is shown as full arithmetic that matches the site's calculators, so a reader can check the maths line by line.
Areas of expertise
- Mortgage payments, amortisation and APR
- Refinancing and home equity borrowing
- Reverse mortgages and HECM programme rules
- Credit cards, interest accrual and payoff maths
- Loan preapproval, underwriting and affordability
Primary sources used
- Consumer Financial Protection Bureau
Federal rules and consumer guidance on mortgages, credit cards and servicing.
- HUD — Home Equity Conversion Mortgages
Programme rules, borrower obligations and counselling requirements for reverse mortgages.
- FHFA conforming loan limits
Annual limits that separate conforming from jumbo lending.
- Freddie Mac Primary Mortgage Market Survey
Weekly national average mortgage rates.
- Federal Reserve — Consumer Credit (G.19)
Official data on revolving balances and average card interest rates.
Published
0 articles
How we verify what we publish
- 01Product rules are taken from the CFPB and, for FHA-insured loans, directly from HUD's published programme handbooks.
- 02Loan limits, rate averages and thresholds link to the agency that publishes them, so the number is never stale on the page.
- 03Payment and payoff figures are reproduced with the site's own calculators and shown as step-by-step arithmetic.
- 04Guides state plainly what a lender is and is not obliged to do, and where a borrower's protections come from in law.
- 05Nothing on this desk is a loan recommendation; readers are pointed to HUD-approved housing counselling for personal advice.
Articles by Legamoney Mortgage & Lending Desk
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