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Trust and transparency

Editorial policy and source standards.

How mortgage education on this website is researched, attributed, reviewed, corrected, and kept separate from personalized lending decisions.

Editor and reviewer: Joseph Valverde · NMLS #1600827Last reviewed: August 6, 2026

Publishing mission

GIJoeMortgageBro.com publishes practical mortgage education for active-duty service members, Veterans, military families, civilians, and real estate professionals. Content should help readers ask better questions and prepare for a licensed mortgage conversation. It should never disguise an estimate as a guarantee or a marketing claim as a government rule.

Source hierarchy

  1. Primary government sources. VA.gov and the VA Lenders Handbook for VA topics; CFPB, HUD, USDA Rural Development, FHFA, Fannie Mae, and Freddie Mac for applicable civilian mortgage topics.
  2. Official licensing and company sources. NMLS Consumer Access and Loan Factory’s disclosure and state-license pages for identity and licensing.
  3. Program and lender documentation. Used when a claim is lender-specific and clearly labeled as such.
  4. Professional experience. Joseph’s analysis and named frameworks are identified as practitioner guidance, not universal program rules.

Review and update process

Material guides display an author, reviewer, publication or modification date, and direct links to primary sources. Pages should be reviewed after meaningful program changes and at least annually. Time-sensitive figures—such as rates, loan limits, program availability, and funding-fee schedules—should link to the current official source rather than be presented as permanently fixed.

Use of AI

AI tools may assist with organization, readability, comparison tables, or first-draft language. AI output is not treated as an authoritative mortgage source. Material lending content must be reviewed for factual accuracy, attribution, compliance context, and appropriate limitations before publication under Joseph’s name.

Corrections and feedback

If you find a factual error, outdated link, confusing statement, or accessibility problem, email joseph.valverde@loanfactory.com. Corrections that materially change meaning should update the page’s modification date.

What this content is—and is not

  • General education, not a Loan Estimate or commitment to lend.
  • Not legal, tax, real-estate, financial-planning, or military-transition advice.
  • Not an official statement of the Department of Veterans Affairs.
  • Not a guarantee of approval, rate, savings, closing timeline, or property eligibility.
  • Personalized recommendations require review of the borrower, property, documentation, program, and current market.
Independence: GI Joe the Mortgage Bro and Team Easy Loans are not affiliated with or endorsed by the VA or another government agency. Prior employers named in Joseph’s biography do not sponsor or endorse this website.