What the free layer does
The free layer publishes verified public program pages, state pages, official links, source dates, and related trust pages.
Terms
Plain-language terms for using this site
These terms explain what the product is, what paid access buys, and the main rules around accounts, digital access, and official-source reliance.
Product scope
This site is a research and decision-support product
It is not a lender, mortgage broker, or loan application portal.
What paid access does
Paid access opens the private workspace, saved shortlist, comparisons, deeper state leads, lender questions, reminder settings, and related decision output for a limited access window.
What this site does not do
The site does not quote rates, guarantee borrower eligibility, issue approvals, or replace the linked housing agency, official program page, or participating lender.
Account and access
How account-bound digital access works
Paid access is attached to one account and one saved workspace.
One account surface
The account, payment state, and private workspace are designed to stay attached to one login rather than floating anonymously between browsers.
Digital access window
When sold, paid access is a one-time digital purchase that opens the workspace for the stated access window shown on the product and checkout pages.
Reasonable use
Do not abuse the site, interfere with its operation, or attempt to use the product as if it were a lender or official agency portal.
Official sources
Official rules still control
The product helps users get oriented faster, but the official source stays final.
Public summaries are guidance
Published summaries are built from official materials, but they are still summaries intended to support decisions, not replace original documents.
Rules can change
Program terms, eligibility, repayment triggers, lender participation, and local funding conditions can change after a page was last verified.
Final authority
Before you apply or rely on a path, use the linked housing agency, official program page, FAQ, guide, or participating lender as the final authority.
Payments and refunds
The main purchase rule
Paid access is a digital product, so refund expectations should be clear before payment.
One-time purchase
The purchase on this site is a one-time digital payment for time-limited account access, not a physical good.
Refunds
Refund questions are governed by the public refund page. Read it before paying if refund terms matter to your purchase decision.
Questions before buying
If something is unclear before purchase, use the contact page instead of guessing through checkout.
Read the refund policy · Read the privacy page · Open contact