Who we are

Mortgage Today is an independent mortgage education brand owned and operated by Mektra LLC. We do not originate, broker, or fund loans. When a reader asks to be connected, we forward the request to a licensed loan officer in our network and step out of the conversation. We do not sell or share contact data outside that handoff.

Everything published here is written for ordinary readers navigating a real decision, not for industry insiders. Our job is to be the most useful plain-English explanation on the page.

How we choose what to cover

We start from real reader questions. Topics come from three places: the search queries that already bring people to the site, the questions our network of loan officers hears most on intake calls, and the macro signals that move household decisions (rate moves, FHA/VA program changes, HUD rule changes, inflation prints, Fed statements). We do not write about anything we cannot anchor to a public, citable source or a concrete decision a reader is actually trying to make.

How we research and fact-check

Every claim that can be checked is checked against a primary source before publication. Rates and yields come from FRED (Federal Reserve Economic Data). Program rules come from the HUD, FHA, VA, USDA, Fannie Mae, and Freddie Mac handbooks and published guidelines. Economic data comes from the BLS, Census Bureau, and BEA. News context comes from a curated set of named RSS feeds detailed on our methodology page.

Numbers, percentages, program minimums, and program maximums are illustrative educational examples drawn from those public sources. They are never a quote, an offer of credit, or a statement of terms available to any individual borrower. Loan program details change; the source documents are authoritative over anything we summarize.

Sourcing and citations

Data-driven posts (the daily rates snapshot, the weekly market recap, news-anchored explainers) carry an explicit "Sources" block at the foot of the article that links out to the upstream data feed or headline we relied on. Cited links open in a new tab with rel="noopener nofollow" per our outbound link policy. We do not link to or name any specific lender.

How we use AI (and how we do not)

We use large language models to draft, summarize, and refresh evergreen explainer posts on a fixed daily cadence, then push every draft through an automated compliance scrub before it ever goes live. The scrub rejects any draft that quotes a specific rate, payment, or APR, that names a specific lender, that tells a reader they qualify, that uses brand names from our denylist, that contains em or en dashes or emojis, that falls outside our word-count budget, that links to anywhere outside our approved internal allowlist, or that violates our SEO length budgets. Rejected drafts are written to an audit table with the reason and are not retried that day.

We do not use AI to give individualized financial, legal, or tax advice, to tell a reader they qualify, to publish unreviewed rate numbers, or to recommend a specific lender. The chatbot at /ask is a general program-qualification explainer grounded in the published FHA, VA, USDA, and conventional handbooks; it is instructed to close every answer by pointing the reader to a loan officer in our network.

Update cadence

• Daily rates snapshot: auto-published every U.S. weekday morning. The live rate tables refresh from FRED every six hours.
• Weekly market recap: auto-published every Friday after the FRED weekly mortgage series prints, with a named-source headline summary.
• Evergreen explainers: the oldest evergreen posts are automatically re-reviewed on a rolling 90-day window. When a re-review materially changes the content, the article is updated and the "Updated" date is bumped.
• Static handbooks and pillar pages: reviewed at least annually and any time the underlying program guidelines change.

Every blog article displays its original publish date and, when an update has happened, an "Updated" date in the header byline. That same value is emitted in the article's structured data as dateModified.

Corrections policy

If you find a factual error, a stale program rule, or a number that no longer matches its source, please tell us. Email [email protected] with the URL and a brief description of the issue, or use the contact form. We aim to respond within two business days. Substantive corrections are made inline, the "Updated" date is bumped, and material corrections are noted at the foot of the article.

We also welcome the same flag on our calculators and on any number cited in an email or newsletter.

What we will not do

• Advertise or quote a specific rate, APR, or payment.
• Name or recommend a specific lender.
• Tell a reader they qualify for a loan or a program.
• Provide individualized financial, legal, or tax advice.
• Sell, share, or rent reader contact information.
• Publish content sponsored by a lender or paid placement.