Research Sources

Housentia develops mortgage and housing content using publicly available information from authoritative government, regulatory, and industry sources. The list below describes the main sources we reference. Linking to or citing these sources does not imply endorsement by them or by Housentia of any specific product or service.

• Consumer Financial Protection Bureau (CFPB)

  Federal agency responsible for consumer protection in financial products and services. We use CFPB materials for mortgage disclosure rules, consumer rights, and educational guidance on loans and housing.

• Federal Housing Finance Agency (FHFA)

  Regulator of Fannie Mae and Freddie Mac. We reference FHFA for conforming loan limits, housing finance policy, and oversight of the government-sponsored enterprises.

• U.S. Department of Housing and Urban Development (HUD)

  Federal department overseeing housing policy and programs. We use HUD for FHA program information, fair housing, and general housing and community development context.

• Freddie Mac

  Government-sponsored enterprise that supports the mortgage market. We reference Freddie Mac for the Primary Mortgage Market Survey (PMMS), housing research, and program guidelines where relevant for education.

• Fannie Mae

  Government-sponsored enterprise that provides liquidity to the mortgage market. We use Fannie Mae housing research, lending standards, and program information for educational content.

• Mortgage Bankers Association (MBA)

  National association representing the real estate finance industry. We may reference MBA data and definitions for industry context and terminology in educational guides.

• Federal Reserve

  Central bank of the United States. We use Federal Reserve data and publications for interest rate context, housing and mortgage market data, and economic indicators (including FRED — Federal Reserve Economic Data).

• U.S. Census Bureau — Housing

  Census housing data and surveys provide context on homeownership, housing stock, and demographic trends. We may reference Census data for general housing statistics in educational content.