Editorial standards

Our purpose is to help a visitor understand the next question to ask—not to replace HUD, a participating lender, a housing counselor, or individualized professional review.

Primary sources

Consequential FHA program statements should link to a current primary source, normally HUD.gov, the current FHA Single Family Housing Policy Handbook, a current Mortgagee Letter, a HUD form, or another official government source. A source link is placed near the claim when practical.

Dates and changes

Pages with program guidance should show when their sources were checked. A new date should reflect a real source review or material edit, not an automated freshness change.

Human accountability

Automation may assist research organization, drafting, consistency checks, or technical implementation. A person must review consequential mortgage guidance before publication. We identify a named professional reviewer only when that person has actually reviewed the material and their role or credentials can be verified.

Boundaries

Content must distinguish FHA mortgage insurance and program guidance from a participating lender’s credit, income, loan, occupancy, appraisal, property, and underwriting decisions. It must not imply government affiliation, lender status, approval, guaranteed eligibility, a guaranteed rate, or a guaranteed outcome.

Corrections

When a material error or outdated rule is confirmed, the page should be corrected promptly and its reviewed date updated. Correction requests may be sent to contact@timpsonapps.com with the subject “Correction Request.”

Official verification

For current FHA policy information, visit HUD’s Single Family Housing Policy Handbook 4000.1.

Last updated: July 23, 2026