Official sources
Official mortgage resources
The government tools, forms and lookups worth bookmarking while you shop for a mortgage. Every link goes to the agency or program itself.
Understand your quote
| Resource | Who | What it's for |
|---|---|---|
| Loan Estimate explainer | CFPB | Interactive, line-by-line guide to the three-page Loan Estimate. |
| Closing Disclosure explainer | CFPB | What to check on the final five-page form before closing. |
| Your Home Loan ToolkitPDF | CFPB | The booklet lenders must give mortgage applicants: choosing a loan, closing costs, owning a home. |
| Explore interest rates | CFPB | Current rate ranges by state, credit score, loan type and down payment. |
| Buying a house | CFPB | Step-by-step home-buying guide. |
Loan limits and programs
| Resource | Who | What it's for |
|---|---|---|
| Conforming loan limits | FHFA | Official Fannie Mae and Freddie Mac limits, maps and county lists. |
| FHA loan limit data files | HUD | County FHA forward, HECM and GSE limit files by year. |
| Mortgagee Letter 2023-05 (FHA annual MIP)PDF | HUD | The current annual mortgage insurance premium table. |
| VA-backed home loans | VA | Eligibility, Certificate of Eligibility and loan types. |
| VA funding fee and closing costs | VA | Funding fee rates and who is exempt. |
| USDA property and income eligibility | USDA | Check whether an address and household qualify for USDA loans. |
Check a lender
| Resource | Who | What it's for |
|---|---|---|
| NMLS Consumer Access | CSBS/NMLS | Confirm a company or loan officer is licensed in your state. |
| Consumer Complaint Database | CFPB | Search complaints about mortgage companies. |
| HMDA Data Browser | FFIEC | The official public mortgage records behind this site. |
| Rate spread calculator | FFIEC | Compute a loan's APR spread over the average prime offer rate. |
Get help
| Resource | Who | What it's for |
|---|---|---|
| Find a housing counselor | CFPB / HUD | Free or low-cost HUD-approved counseling near you. |
| Submit a complaint | CFPB | File a complaint about a lender or servicer. |
Your existing mortgage and taxes
| Resource | Who | What it's for |
|---|---|---|
| Fannie Mae loan lookup | Fannie Mae | Find out whether Fannie Mae owns your loan (matters for some relief and refinance programs). |
| Freddie Mac loan look-up | Freddie Mac | Find out whether Freddie Mac owns your loan. |
| Publication 936, Home Mortgage Interest Deduction | IRS | Deducting mortgage interest and points. |
We are not affiliated with these agencies. Links were checked in October 2026; tell us via contact if one breaks.