How we create and review VA loan content

Our editorial purpose

Our goal is to help veterans, active-duty service members, National Guard and Reserve members, and surviving spouses understand a complex financial decision before they speak with a licensed loan officer. Pages answer the reader's main question near the top, explain the trade-offs, and provide a clear next step without pressure or unsupported promises.

Source hierarchy

For program rules and consumer protections, the U.S. Department of Veterans Affairs materials control — principally the VA Lender's Handbook M26-7, VA circulars, and 38 CFR Part 36 — followed by FHFA conforming loan-limit publications for county limit context and CFPB regulations for consumer-protection requirements. We then use other official federal or state sources for the specific subject discussed. Material statistics, limits, requirements, and legal explanations are cited next to the claim so readers can verify them, and our data sources page lists each dataset with its refresh cadence.

Financial and compliance review

Before a material page is published or materially changed, it is checked for VA eligibility and entitlement accuracy, occupancy rules, funding-fee amounts and exemptions, appraisal and Notice of Value requirements, county loan limit context, state licensing scope, Regulation N and Regulation Z concerns, TCPA language, and the exact licensing disclosure used across this site. We never describe Simply Approved Mortgages LLC as a direct lender, and we never present an illustration as an approval, offer, quote, rate lock, or commitment to lend. Compliance overrides SEO, conversion, and design in every case.

AI-assisted drafts

AI may help organize research or prepare a draft, but it is not the source of truth. AI-assisted content is held for human review and may not invent rates, statistics, citations, credentials, testimonials, government relationships, local facts, or program rules. Drafts remain unpublished until approved by a human reviewer.

Updates, corrections, and change records

We review time-sensitive financial content on a recurring 30-day cycle and whenever an authoritative source changes. We keep three separate, truthful signals on each page: the date content substantively changed, the date a human last reviewed it for accuracy, and the date the underlying data was last refreshed. A date is never changed merely to make a page appear fresh. If a reader identifies an error, we investigate and preserve the correction history.

What a final review checks

• Search intent, standalone value, originality, and a useful next action.
• Accurate claims, authoritative VA citations, and current dates.
• Broker identity, licensed-state scope, disclosures, and mortgage advertising safeguards.
• Readable structure, accessible controls, mobile layout, internal links, and valid schema.
• Calculator assumptions, limitations, and the difference between an illustration and a loan decision.

Corrections

Spotted something that looks wrong? Tell us through our contact form or call 877-813-7219 and we will verify the claim against the primary source and correct it.