Editorial Policy

At Alpine Mortgage our mission is to provide clear, accurate and trustworthy mortgage information to help consumers make informed home financing decisions. Because mortgage lending directly impacts a borrower’s financial well being, we take our responsibility seriously and maintain strict editorial standards across all content published on AlpineBanker.com.

This editorial policy explains how our content is created, reviewed, updated, and maintained to ensure accuracy, transparency and compliance with current lending guidelines.

Our Editorial Principals

All content published on AlpineBanker.com is guided by the following principles:

• Accuracy: Information is based on current mortgage lending guidelines and industry standards.
• Expert Review: Mortgage content is reviewed by licensed professionals with real world lending experience.
• Clarity: Content is written in plain language to help borrowers understand complex loan programs
• Transparency: Educational content is independent and not influenced by compensation or advertising.
• Compliance: Information follows applicable federal, state and investor mortgage regulations.

Content Creation Process

Content topics are selected based on:

• Common borrower questions and concerns
• Frequently requested loan programs
• Changes to mortgage guidelines or market conditions

Content includes educational explanations related to:

• Conventional, FHA, VA, USDA and Non-QM loans
• Reverse mortgages and HECM programs
• Investment property financing and DSCR loans
• Renovation and construction loans
• Mortgage rates, qualification guidelines, and documentation requirements
• State specific mortgage rules and disclosures

All content is developed for educational purposes only and is not intended as legal, tax, or financial advice.

Editorial Review and Oversight

All mortgage content published on AlpineBanker.com is reviewed by:

Steven Parangi
Licensed Attorney
Licensed Mortgage Loan Originator (NMLS #76024)
Founder, Alpine Mortgage Services, LLC (NMLS #56905)

With over 20 years of experience in residential mortgage lending, Steven reviews content to ensure it accurately reflects:

• Current lending guidelines
• Investor requirements (Fannie Mae, Freddie Mac, FHA, VA, and Non-QM programs)
• Regulatory standards issued by applicable agencies
• Practical real world lending considerations

This review process ensures that content reflects how mortgage programs actually operate in today’s lending environment and not outdated or theoretical guidelines.

Sources and References

Our content is informed by industry recognized sources including:

• U.S. Department of Housing and Urban Development (HUD)
• Federal Housing Administration (FHA) guidelines
• Fannie Mae Selling Guide
• Freddie Mac Single Family Seller/Servicer Guide
• Consumer Financial Protection Bureau (CFPB)
• Published lender and investor program matrices
• State mortgage regulatory agencies

Content is updated regularly to reflect changes in loan limits, eligibility rules, underwriting standards and regulatory updates.

Content Updates and Accuracy

Mortgage guidelines and market conditions change frequently. To maintain accuracy:

• Content is reviewed regularly and updated as needed
• Pages may be revised when lending requirements change
• Outdated information is corrected or removed promptly

Our goal is to ensure borrowers receive timely and relevant information at all times.

Independence and Objectivity

AlpineBanker.com does not accept compensation in exchange for favorable coverage of lenders, loan programs or financial products. Educational content is not influenced by advertising or referral arrangements. Any calls-to-action are intended to provide borrowers with access to personalized consultations and are not guarantees of loan approval or loan terms.

Licensing and Compliance

Alpine Mortgage, NMLS #56905 is a licensed mortgage broker and lender. Licensing information is available through the Nationwide Multistate Licensing System (NMLS) Consumer Access website.

Some pages may include contact forms or quote requests that allow consumers to inquire about mortgage products. Submitting information does not constitute a loan application, commitment, or approval. All mortgage approvals are subject to underwriting review, verification and applicable program requirements. Mortgage programs, rates, terms and availability may vary by state and are subject to change without notice.

Content on AlpineBanker.com is provided for general educational purposes only and should not be interpreted as legal, tax or financial advice. Mortgage guidelines vary by lender, investor, and borrower profile. Individual loan terms and eligibility are determined through a full application and underwriting process.

Corrections and Feedback

We are committed to transparency and accuracy. If you believe any information on AlpineBanker.com is inaccurate or outdated, please contact us so it can be reviewed and corrected promptly.