Financial Disclaimers & Editorial Policy
Last Updated: February 2026
1. General Financial & Non-Lender Disclaimer
FHAorConventional.com is an independent educational and research platform. We are NOT a licensed mortgage lender, mortgage broker, financial advisor, depository institution, or loan originator.
All calculators, estimates, mortgage comparison models, interest rates, and loan insurance calculations presented on this website are provided strictly for general informational and educational purposes. Calculations do not represent a loan offer, rate lock, or pre-approval commitment under the Truth in Lending Act (TILA) or Real Estate Settlement Procedures Act (RESPA). Always obtain official Loan Estimates (LE) from an NMLS-licensed mortgage professional.
2. Advertising & Monetization Disclosure (FTC & AdSense Compliance)
To keep all calculation tools and educational resources 100% free for consumers, FHAorConventional.com displays contextual advertisements served by Google AdSense and related advertising networks.
Advertisements are clearly demarcated with "Advertisement" labels in compliance with Google AdSense program policies and Federal Trade Commission (FTC) guidelines. The presence of third-party advertisements does not constitute an endorsement, recommendation, or warranty of any advertised financial product or service.
3. Editorial Independence & Fact-Checking Standards
Our research and mathematical models are built independently. Editorial content is not influenced, authored, or approved by lenders, banks, or advertisers.
- Official Regulatory Sources: We benchmark our calculations against official guidelines from HUD (Mortgagee Letters), FHFA, Fannie Mae (Selling Guide), Freddie Mac, and the Consumer Financial Protection Bureau (CFPB).
- Annual Rule Updates: Conforming and FHA loan limits are updated immediately following annual FHFA and HUD regulatory releases.
- Corrections: We promptly review user feedback and mathematical queries sent to our support team.
4. Limitation of Liability
While we strive for extreme mathematical precision, mortgage regulations and private mortgage insurer rate cards vary by jurisdiction, property condition, and individual underwriting. FHAorConventional.com makes no warranties regarding the absolute completeness or real-time lender availability of specific loan terms. Users assume full responsibility for financial decisions made in connection with these estimates.