Mortgage content is only useful if it's accurate. Guidelines change. Programs end. Rates move. Rules that were true last quarter may not be true this quarter. Hero Mortgage Group takes the accuracy of our published content seriously because we know borrowers make real financial decisions based on what they read here. This page documents how we write, review, source, and update the content on this site.
Who Writes The Content.
All mortgage guidance on heromortgagegroup.com is written and reviewed by Jason Stern, founder of Hero Mortgage Group and an active-duty firefighter. Jason holds:
- NMLS License #1569493 (Nationwide Mortgage Licensing System)
- Florida Real Estate License #SL3552997
- Licensed to originate mortgages in 12 states: FL, TX, CA, AZ, CO, ID, MI, OR, PA, TN, UT, WA
- Active-duty firefighter with direct professional experience in the compensation structures and income scenarios described throughout our first-responder content
Content that discusses specific mortgage guidelines is written from Jason's direct experience originating loans in these scenarios. Content on complex borrower situations (travel nurses, VA entitlement, complex-income scenarios) is written after cross-referencing the primary source materials cited on each article.
Source Hierarchy.
When our content discusses mortgage guidelines, program rules, or lender requirements, we cite primary sources in this order of authority:
- Federal agencies and their published guidance — Department of Veterans Affairs (VA), Department of Housing and Urban Development (HUD), USDA Rural Development, Internal Revenue Service (IRS), Federal Housing Finance Agency (FHFA)
- Agency selling guides and handbooks — Fannie Mae Selling Guide, Freddie Mac Single-Family Seller/Servicer Guide, HUD FHA Handbook 4000.1, VA Pamphlet 26-7 (Lender's Handbook)
- State housing finance agencies — Florida Housing Finance Corporation, and equivalent agencies in other states we serve
- Official program documentation — published program documents from HUD, VA, USDA, and state agencies
- Federal statutes and regulations — U.S. Code and CFR provisions governing mortgage lending, tax treatment of income, and consumer disclosure
Every article that makes a specific guideline claim links or references the primary source. We do NOT rely on competitor mortgage blogs, third-party content aggregators, or opinion pieces as the source of factual claims. Where such sources are cited, they're presented as secondary reference material, not as authority.
Content Review Cadence.
Because mortgage guidelines change, we review high-value content on the following cadence:
- Annually at minimum — every substantive guideline article gets a full review against the current version of its cited source materials each calendar year
- Immediately upon material rule change — when Fannie Mae publishes a Selling Guide update, or VA/HUD issue new lender communications, affected articles are reviewed and updated within 30 days
- When funding availability changes for time-sensitive programs — Florida Hometown Heroes DPA and similar state programs are reviewed whenever funding status changes at the state level
Each article displays a "Reviewed" date near the byline showing when the last full editorial review was completed.
Correction Policy.
If a reader identifies an inaccuracy in our content, the correction process is straightforward. Contact us via jason@heromortgagegroup.com with the article URL and the specific claim in question. We respond within 2 business days with either:
- A citation to the primary source supporting the original claim (if we believe the content is accurate), or
- An updated version of the affected content with a clear "Updated [date]" note
We do not silently edit corrected content. Material corrections are noted on the page so readers can see what changed and when.
What We Don't Do.
Several practices we deliberately avoid, because they degrade the usefulness of mortgage content:
- We don't publish "best mortgage lender" claims about ourselves. Rankings-based content requires verifiable comparison methodology, which mortgage brokerages typically cannot provide. Our content demonstrates expertise; it doesn't claim rankings.
- We don't fabricate reviews, testimonials, or aggregated ratings. Client reviews on our Reviews page are real, from real closed clients, verifiable through public review platforms.
- We don't state temporary program details as permanent facts. Programs like Florida Hometown Heroes have funding cycles; we distinguish between "current" and "permanent" details throughout our content.
- We don't publish guaranteed-rate quotes or promises. Rates change daily; guarantees require specific program mechanics (see Rate Match Guarantee and Rate Defense for our actual rate programs and their real terms).
- We don't imply universal approval. When our content discusses scenarios where a borrower "may qualify," we specify the conditions and limitations. No file is guaranteed until it's underwritten.
Regulatory Framework.
Hero Mortgage Group operates under the following regulatory framework:
- Company NMLS License: #1799965 — verify at NMLS Consumer Access
- Underwriter/wholesale: Nationwide Loans, Inc — 701 Palomar Airport Rd, Ste 300, Carlsbad CA 92011
- Equal Housing Opportunity — we lend without discrimination on any basis protected by federal or state fair housing laws
- Compliance with TILA-RESPA Integrated Disclosure (TRID) — Loan Estimate within 3 business days of application; Closing Disclosure at least 3 business days before closing
Reader Guidance.
The content on this site is educational. It's not a commitment to lend, and it's not a substitute for a specific loan pre-approval or a consultation with a licensed mortgage professional. Program details, guidelines, rates, and lender overlays can change; individual borrower situations vary. Before making a purchase or refinance decision based on anything you read here, contact us for a scenario-specific review of your file.