Editorial transparency
Editorial standards
This page explains who publishes Conventional.Loans, where our information comes from, what we check and what we do not, and how to report a problem. Updated .
Who publishes this site
Conventional.Loans is published by Conventional Loans and operated by Bolt Home Loans LLC, NMLS 2784913, a mortgage company. That is a commercial relationship: the site explains conventional mortgages, and readers who want help can contact Bolt Home Loans. We do not present the site as an independent or unaffiliated comparison service. It is not affiliated with any government agency, Fannie Mae, or Freddie Mac. You can confirm the company’s licensing on NMLS Consumer Access.
Guides are credited to the publisher, not to a named individual. We do not display author or reviewer names, credentials, or review dates that have not been confirmed.
Where our information comes from
Material mortgage facts are drawn from primary sources — agency guides, regulators, and official datasets — rather than other websites. Our source registry currently lists 41 sources from 8 publishers, including FHFA, Freddie Mac, Fannie Mae, Federal Housing Finance Agency (FHFA). Each entry records its official URL, the pages that rely on it, and when it was last checked.
- 37 entries are marked verified. The scope of that check varies by entry: some record a section-text comparison with our wording, others only that the official page was reachable. Each entry’s notes state what was checked.
- 4 entries still need a recheck (for example, a landing page confirmed reachable but not yet matched to a specific section).
- Guides show a Sources panel with each entry’s status and check notes, and some of our most detailed guides link key claims directly to the supporting section.
What a source check is — and is not
A source check is an editorial step, which may be AI-assisted, that confirms a cited official page and records what was compared in the registry notes. It is not proof of human review and not a licensed legal, compliance, or underwriting review. We do not claim a page received a human compliance review unless that review actually happened.
We also do not run continuous monitoring of every source. Pages are revisited when official guidance, loan limits, or program rules change materially, or when a reader reports a problem. Only pages that were actually revised show an updated date; we do not refresh dates to make content look newer.
How we write about requirements
- We avoid presenting one credit score, debt ratio, reserve amount, or loan-to-value as universal. Requirements depend on the program, underwriting path, property, occupancy, and lender.
- When a statement comes from Fannie Mae’s Selling Guide, we say so and do not assume Freddie Mac’s rules are identical.
- We use “may,” “often,” and “depends on” where the answer genuinely varies.
- We do not advertise unverified offered rates, APRs, fees or savings, approval odds, or closing-speed promises. Explicitly hypothetical worked examples can use stated assumptions to explain a comparison; they are not offers.
- We do not publish thin location pages, keyword-variant pages, hidden text, or invented reviews.
Official data and how we handle it
Loan-limit figures come from the official FHFA County Loan Limit List. Our downloadable files redistribute the 2026 values unchanged, with the source URL, retrieval date, and a checksum; year-over-year changes are computed by us from the official 2025 and 2026 files. See original research and the county loan-limit lookup.
Calculators and their assumptions
Our calculators run in your browser using numbers you enter. Some fields start with example values so the tool shows a result; those are placeholders to replace, not rates or terms we offer. Formulas and limitations are documented in our methodology. Results are planning estimates, not quotes.
What this site is and is not
Content here is general education. It is not financial, legal, or tax advice, and it is not an application, approval, preapproval, underwriting decision, rate quote, rate lock, or commitment to lend. A licensed loan officer must review your actual file. You can for review by Bolt Home Loans, or call 844-777-BOLT for direct assistance.
Corrections
If something looks wrong, you can call Bolt Home Loans at 844-777-BOLT about a potential correction. Please have the public page URL, the passage, and the official source you believe governs ready. The form on our contact page opens the mortgage-planning request saved for review; it is not a dedicated corrections channel. There is no dedicated corrections inbox or response-time commitment. How we evaluate and record changes is described in our corrections policy and the methodology corrections workflow.
Related pages
Next step
Talk through your conventional loan scenario
Answer a few planning questions. Your request is stored for review by Bolt Home Loans, or call 844-777-BOLT for direct assistance.
Educational request only. Not an application, approval, preapproval, rate lock, or commitment to lend. Bolt Home Loans LLC, NMLS 2784913. Equal Housing Opportunity.