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Another deal saved and my money well spent on my subscription! You all are amazing!

Jill TaylorArea Manager // MLO-Gateway Mortgage

Just wanted to say, your Lunch & Learn presentations and content ROCKS!… As far as I’m concerned, I think is a loan officer’s underwriting secret weapon and I’m so thrilled to have you as my educational, and reference resource!

Jose-Vladimir LopezExecutive Mortgage Banker // William Raveis Mortgage, LLC

For anyone who is NOT subscribing to I highly recommend you do so. Not only is the site itself SO HELPFUL- Tammy Butler is a huge resource. The ask the experts function is priceless. Do yourself a favor and sign up.

Anna SmithPrime Lending

Thanks for the wonderful updates, charts/checklists, etc. I’m a student of mortgages and your stuff is by far the best resources I’ve come across in 15 years in the biz.

Joe BuxtonNations Lending

You guys at are the most knowledgeable people in the mortgage industry, I sing your praises every day. Ask the Experts has saved so many loans for me I could not repay them for their help and their knowledge.

Mike VetriNLC Mortgage // Pennsylvania

I do Mortgage Compliance and am considered an industry expert. I use as a resource. Every item I research is clear and concise. The website is easy to use. Notifications of changes are posted timely and are relative to our Industry. If you don’t use it you will lose it.

Sonja WheelerTreasure Island, Florida

I use as a resource, a training tool, messages for social media. There are too many ways to list and I probably don’t use it to its best potential. But I know it is always there!

Lori SaucierCrossCountry Mortgage // Brecksville, Ohio has gotten me numerous deals from agents I never had because it shows you are an expert in the field!

Alex TaberneGreentree Mortgage // Turnersville, New Jersey

You are the best! My brain didn’t even think of that solution to my underwriting question. Thank you!!!

Julie SweenyHomeStreet, Edmonds, WA

Thanks for the charts and checklists you create through You guys always make me look smart!

Linda DavidsonService First Mortgage // Garland, TX

I got a deal because I read about an obscure Fannie Mae rule on then used that as my BNI commercial. Turns out there was a substitute present and he fit the exact scenario! Bingo! I’m seen as an expert. Love it.

Peggy WilsonHuron Valley Financial // Ann Arbor, Michigan

Thank you very much. This really helps. I love They are a tremendous help in today’s mortgage world!

Cathy HeckmanMortgage Contract Services // Berthoud, CO

Thank you for your response (Underwriting question submitted through the Ask the Experts Help Desk). You guys are a great resource!

Eric BecerraBranch Manager // California

Keep the info coming….terrific service…..I usually watch for your guideline changes over my own companies bulletins!

Don ParsonsCMP // Newport Beach, CA

You can’t go wrong with this type of ready made compliant marketing available! Just wanted to send a quick note to say THANK YOU!

Lori MahaffeyMovement Mortgage // TN

I love what you do for us in the field. “Ask the Expert” has saved my rear end several times! Keep up the great work, we need you!

Kristine KoehnTexas Mortgage Bank

I really cannot begin to tell you how much I love your site. I’m letting as many people as possible know about it!

Donna BeinfeldPalm Springs, CA has been a good investment in my business. I appreciate your service!

Christine Merker-WilsonSt. Louis, MO

I just wanted to take a minute and thank you for having such a user friendly site that is designed to keep people like me informed, for my staff and clients. I have only been in line of work 9 years and still perfecting my craft, and this is a site I check daily. Keep up the great job!

Mike BertrandLouisiana Mortgage Associates

Thank you for the amazing content you continue to put out in I wanted to share one response. This has really struck a cord and for most people – this program was news to them. You are on the cutting edge with your content – thank you again for all you do to keep us up to date!!!!

Rebekah Radice

This was the first time I have submitted a question, and I am grateful for your detailed answer. With your answer and learning that it was up to the underwriters opinion I was able to get this pushed through with an additional comment from the appraiser. Thank you again.

Brian BrownAmeriCorp Mortgage

Regulatory compliance and a solid knowledge-base of complex and ever-evolving federal requirements are essential. has helped us build on our strengths every step of the way. All mortgage professionals need help navigating the new mortgage world when it comes to compliance. Mortgage Guidelines has the experience to guide you through numerous regulatory changes. Mortgage Guidelines focuses on mortgage lending and prides itself in providing quality compliance guidance services in all phases of the lending process.

Mark RohrbaughCMB // Apple Federal Credit Union

Wait… you’re still here reading reviews!?!

Thanks so much, not only for your “in depth” response, but also for your suggestions in how to approach the file. has become an important part of our day to day operations and we value all that you and your staff provide.

Steve ReedOwner // Meridian Home Loans

Oh by the way, I cannot tell you how much has helped me. Even though I am a 13 + year veteran, with all the rule changes and changes in the industry, you have helped me solve problems and get answers quickly. Keep up the good work.

Phil GoldbergVirginia Commerce Bank

Your informative service is one of the best things I spend my money on. Thanks for doing such a GREAT job.

Bobbi MillerStratis Financial

To everyone, You guys ROCK! Thank you so much. I’ve been telling others that they should get a subscription!

Claudia LynneGuLit

Keeping up with all the rule changes is a full time job. It’s great to have someone to doing it for me!

Christopher D.Loan Officer

Thank you so much. I love you guys! Your interpretation helped to verify what I was trying to do and now I can confidently tell the borrower how to qualify for a purchase.

Graham PruittLoan Officer // Acacia Federal Savings Banks

I want you to know that I get the most out of your publication than any of the others that I get. Your work helps me look like I really know what is going on to my Realtors!!!

Bobbi MillerStratis Financial

I just wanted to drop you a note and tell you how much I appreciate I have only been a subscriber for a few months, but am really hooked. You have an excellent way of making complicated regulations understandable in an ever changing environment. I love your tone in which you comment from time to time. It expresses how we all feel out here while we are constantly trying to follow the rules.

Rex A. BoyerLundin Mortgage

Thanks so much for your quick answer—I have just acquired a new loan, thanks to you guys!!!

Linda ColemanGrandmark Mortgage

Thanks for answering my question and the back up documents you sent to me. I was already a happy subscriber and now I’m just happier!!

Steve ReedMeridian Home Loans

Thanks for the response on the 203k question…your FHA knowledge is a Godsend. Thanks!

Caleb LeGrandEvergreen Mortgage // Greenville, SC

I just recently signed up with Thanks to you guys, I found what I was looking for and learned how to help this lady get another FHA loan. I am so glad I found you!

Linda ColemanGrandmark Mortgage // Houston, TX

Thank you for your help… That answer alone paid for the dues in my mind!

Corey ReidMetLife Home Loans

Thank you! I love your website… I used all your materials yesterday in a presentation. This is a great idea. I hope you have much success with it. You deserve it!

Cynthia GarzaFlagstar Bank is a very helpful tool and I really appreciate the hard work you put into it. One of the things I particularly enjoy is the thoroughness by which you approach things. I am a former accountant and am big on knowing the rules so as to know how to best play by them, and your expertise really shows through in your work. Keep up the good work; it is really nice to have an information source such as yourself!

Caleb LeGrandEvergreen Mortgage & Financial

I saved a deal my competitor turned down. Now that agent thinks I’m a miracle worker!

David ReedReed Mortgage Bankers

I am so impressed. Really. I think you provide exceptional value!

Kelly StapleyMortgage Contracting // Salt Lake City, UT

I feel so much more confident thanks to you. You do such an incredible job. On the personal side of this business – it is people like you guys I have taken for granted through years that have made this business such an extraordinarily wonderful business to be in. You have made my life so much richer and I am grateful today for that.

Marc Johnson

I too have been in the mortgage industry for over 30 years. I must say I really enjoy your articles!

Frank M. HowardPresident // CEO

I think the service that you are providing is invaluable considering current market conditions and the ever-changing landscape in which we are operating. Keep up the good work!

Kurt EndresIndyMac Bank

I just subscribed today and already helped me save one deal. I’m very glad I found you!

Ryan HollandBranch Manager // Canopy Mortgage

I really appreciate how thorough the answers are from the “Ask the Experts” feature. I love the content layout in because it makes finding information that I need, very easy.

Geoff RookerPRMI

You guys seriously have changed the way we process loans. Super grateful for you guys!

Alex LevyLoan Originator // Cross Country Mortgage

Extremely helpful and I sincerely appreciate the level of detail you have provided here!

Noah FierroSales Manager // Loan Depot actually saved a deal for me last week! Easy read… saves valuable time! LOVE IT!

Carol DeFazioVictorian Finance // Gibsonia, Pennsylvania

Charts and Checklists are truly an asset to our business!

Lisa GreenAllen Tate Mortgage // Charlotte, North Carolina

I just wanted to chime in and say that subscribing to over the past few years has really helped me in my 12 year career, and I do always come in at the top 10% of my branch due to the knowledge I have acquired. Thank you once again.

Eli DrorCrossCountry Mortgage // Ft Lauderdale, FL

I saw this today about the new Fannie mortgage rule and thank you so much!! Just saved a deal for us today!!!

Elizabeth SmithEagle Home Mortgage // Keizer, OR

Love the information you guys provide as well as the ability to get questions answered!

Joshua DuttonBranch Manager // Broomfield, Colorado

My favorite is “Ask the Expert”, because it makes me one. I also like the prepared flyers for Realtors, because it made me look good with them too. But the best thing is, if you’re battling with an underwriter, you have documentation to prove you’re right.

Dave MeansSFRC // Billerica, New Hampshire

I love the charts in I really like that the summaries/notices are always followed by the regulation identity. I’m always on a firm footing when it comes to a “discussion” with the underwriter. It also saves me a lot of time on researching. Thank you for such a great tool and for keeping the price affordable.

Joyce Boyer1st Capital Mortgage // Owasso, Oklahoma

You’re not even halfway yet…!

Amazing resource! provides excellent straight forward material to help navigate today’s mortgage maze.

Melissa HooverHighlands Residential Mortgage // Sterling, Virginia

We are writing to thank you for your past assistance in clarifying FHA & VA guidelines. We find everything offers to be invaluable. Hoping you have a successful year! Thank you again!

Morgen Spear & Jill BosworthIntegrity 1st Mortgage // Escondido, CA

I love your video training classes and this is one of the MANY reasons why I love your service. You are the best!

David OdleSantander Bank // Seekonk, MA

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Tina HarrisonAtlanta, GA

I just watched the VA Sales Concessions – Deal Saving Secrets Video and it kicked butt!!! My book of business is about 25% VA (Live in San Diego) and this was incredibly well done. Thank you, Thank you, and Thank You!

Dan WilliamsSan Diego, California

Thank you very, very much. Your quick response is why I am willing to pay of my subscription.

David OdleSeekonk, Massachusetts

Why I subscribed to Cost and insider deals aside, Allregs is a mediocre product at best. It’s a bear to sift through and I always wonder what I missed.

Shana Wroten-TuckerBenchmark Mortgage

I think I have told you this before, but this is the one bill I don’t mind paying. I really appreciate I like the way it is written, the numerous checklists to help with compliance and I especially look forward to the Q&A’s. It is most informative in this “time of change” and uncertainty in the mortgage industry. With regulators running wild trying to see who they can fine for not interrupting their thousands of pages of rules correctly, we need all the help we can get! Thanks again!

Rex BoyerLoan Originator // Kokomo, IN

Thank you so much for helping me. I am glad I can count on all of you for the much support needed in today’s world.

Maria MedeirosLoan Originator // Castle Mortgage

AllRegs really is a drag, since I always have question ever after I’ve read it. With your publication, I get a better handle on the rules and how they affect my deals.
Thank you for the time and effort you put in to help make me more successful in my profession. It’s a tough time to be an originator and tools such as help make it a lot easier for me to be “in the know” and the “go to” person for realtors to refer their clients to.

Cynthia D.Loan Originator

You guys are awesome and worth every cent of my subscription!! Thank you!

Leslie LovettLoan Originator

Your Ask The Experts service is awesome…it makes me look “smart” to my clients and agents.

Tim StormNiche Lending

I have at one time or another subscribed to ALL of the paid originator sites, has been the most effective and helpful resources I have found in my 15 years in the business. Regardless of our cost cutting measures, is one subscription that I cannot afford to be without.

Mike MandisAlliance Mortgage Funding, Inc.

I really appreciate you guys, you are a tremendous help to us “small” specialty operations.

Debra PattyFram Credit Services // Russellville, AR

As a subscriber to, I am able to access the most up-to-date information with just a click of the mouse. Believe me when I tell you that I have come to rely on this site for lots of research (since no loan is easy any longer). Your most recent Q&A issue had to do with parent’s cosigning on a loan. This information, though seemingly obscure, in fact was very timely and worth printing! I just had such a transaction and I was very happy that I double checked your site…there was my answer! It saved my loan and my commission! My subscription has paid for itself many times over. Keep up the great work!

Kim PayneLoan Originator // California

Thank you for the informative update on FHA guidelines. It’s great to learn from someone who knows the guidelines and knows what they are talking about!

Ginger PeelCountrywide

Thank you. It really helped me to understand VA much better!

Renee WatsonNorthwest Mortgage

I wish I could think of some really clever, profound thing to say or way to express my thoughts and feelings, but ALAS, I can’t. Suffice it to say “You are the best”. OUTSTANDING. Super. Head and shoulders above the crown. In the common jargon of the teens of today, “awesome, DUDE!”. Now, I know you’re still human, barely. But your output is in its own class.

Diana EashSalt Lake Mortgage

I am a member of and appreciate the knowledge/insight you provide.

Tim PrindleMGM Funding

Your knowledge is enviable and your presentation excellent!

Callean Laird

I just wanted to say thank you for the awesome over haul you have done with giving information and talking points i.e. social media posts, talking points the flyer etc. I greatly appreciate all you are doing and look forward every time you do updates. I love the Facebook interaction you do as well. You are definitely giving us a lot of value. So often we take for granted things in business and life in general so I wanted you to know you are appreciated!

Lisa RamseyMortgage Loan Officer

I was able to get a USDA loan approved that had previously been denied thanks to your Ask The Experts feature. Without the information I received from the USDA Expert, that loan would have never closed under USDA.

Melanie ThompsonAffiliate Mortgage Specialist // Home for Heroes

The answer I received from “Ask The Experts” SAVED a DEAL for us! This is Awesome and You Guys Rock!!

Ryan BrandenburgerBranch Manager // Cross Country Mortgage

I use for presentations to real estate offices, when I was teaching ML classes it was a godsend to intersperse with the standard issue boilerplate. Invaluable to stay up on and ahead of the crowd.

Tom FrizzellCastle & Cooke Mortgage // Surprise, Arizona saves me regularly!

Rebecca DavidsonEnvoy Mortgage // Denver, Colorado

The information in is very carefully researched. You can take it to the bank! But the Facebook posts come in handy for those RARE moments when I’m speechless! The flyers are the best. MG is worth quadruple what you pay!

Cola GalvinUnion Home Mortgage // Virginia Beach, Virginia

Who has time to read all those updates? saves me a ton of time and asking an expert when you can’t find just what you are looking for … is priceless!

Michelle MasonMechanics Bank // Oxford, Mississippi

Amazing resource! provides excellent straight forward material to help navigate today’s mortgage maze.

Melissa HooverHighlands Residential Mortgage // Sterling, Virginia is an integral part of my business. We are all busy and having a service that boils down guideline changes across all types of loans is invaluable. Changes are summarized in layman’s language with links two details in the guidelines. Many times Flyers are created so all we have to do is copy and paste to share with our Network. I also use ask the expert which has saved more transactions then I can count. I highly recommend this affordable service if you are in real estate lending in any way shape or form.

Margot HornblowerSuccess Mortgage Partners // Paw Paw, Michigan

I literally could not do my business without it! I am always up to date on rule changes, program changes and the charts are off the hook! I also like that you can post a question and you will get an answer back usually less than 24 hours. The information is simplified and provided in a manner that makes for easy reading. If you don’t have it you’re missing out!

Jayne CombsAmeriFirst Financial // Walnut Creek, California

Keeping up to date on ever-changing regulations has saved my butt (and made me look a hero to my clients and referral sources) more times than I can count. Fabulous resource.

Kate MattiesAtlas Mortgage Partners // Clarksville, Tennessee

I love your video training classes and this is one of the MANY reasons why I love your service. You are the best!

David OdleSantander Bank // Seekonk, MA

Thank you, very clear and concise answer to my mortgage question. This was my first time using the “ask the expert” feature, and I’ll certainly make use of it again when I cross a questionable situation.

Patrick QueallyDirect Finance Corp // Norwell, MA

I can’t say enough to everyone about It has been my secret tool for years!

Alisa GlutzCherry Creek Mortgage // Scottsdale, AZ

I am glad that I signed up for It’s made me more knowledgeable and I have been able to be the expert in my field. Get a loan approved in this market is rocket science! Thanks again!

Kevin NewtonMortgage Consultant // Maryland

I have enjoyed my subscription, and have learned much over the years. I was able to close several loans by providing the underwriters with the current guidelines you provided, which more than paid for the service.

Ron KaganBank of Manhattan // Palmdale, CA

Yours is the only service I subscribe like this because I have immense respect for your experience and valuable information. Thanks!

Sheryl LaskieFort Collins, CO

Thank you so very much Expert! I think you answered my question above and beyond. Thank you so very much! And thank you Mortgage Guidelines for being such a great resource, because getting a mortgage loan closed IS rocket science!

Jose-Vladimir LopezPlymouth Meeting, PA

I’m very excited about I just had my assistant send out a Mortgage Talking Points™. We have decided to mail them every month for one year. And your Question and Answer section on your website (Ask the Experts) just saved me a deal!

Ken StrathiePortsmouth, NH

Thank you all for your help, it truly saved the deal!

Tara ReesMortgage Loan Specialist // Utah

I appreciate you answering my question about the loan that was denied. We won!! Appreciate your support, I would have been mortified to tell my Realtor the buyer was declined for something beyond their control. Keep up the good work!

Tammy EngelMortgage Advisor

I just signed up today for a quarterly account. I am blown away by the amount of “current” knowledge and information on your website. I don’t know how you manage all the information, but I look forward to learning more by using your site and resources. Thank you.

Fred MarquezFairway Independent Mortgage

I just love the question and answers you put in articles…EXCELLENT RESOURCE!

Beth MillerPresident // Platinum Mortgage

I just wanted to let you know that you guys are the reason I was able to stay in the mortgage business.

Denese Weems

You all continue to be nothing short of a godsend – thank you for all you do – I really love this tool and it has saved me deals and made me money!!

Caleb LeGrandBenchmark Mortgage

Wow, I am so impressed with your quick response to my questions. I am a FAN.

Carol LorenceMortgage Advisor

I was just looking around on the site last night and I stumbled upon the charts as they are just great cheat sheets for my newbie loan officers! Thaks for putting these together for subscribers.

Denise PanzaLoan Originator

Thank you for your detailed explanations. Makes everything extremely clear.

Phil GoldbergVirginia Commerce Bank

I’ve been a subscriber for a while and their “take” on the new regs are a “breath of fresh air”.

Tammy Engel

You saved the day on one of our files. I am sure that I will be back in touch with you from time to time when the need arises. Just to make sure, I just renewed for a full year of my Subscription! Thanks again!

Richard WilliamsBranch Manager // FBC Mortgage, LLC

Thanks everyone, I was able to let my clients and real estate agents know what’s going on–you guys and gals are doing a terrific job over there. Thanks for all your hard work.

John GullicksonMortgage Consultant // Envision Lending Group, Inc.

Subscribing to is definitely one of the best ways I spend my money!

Bobbi MillerLoan Originator // Stratis Financial

Thanks for answering my questions and the quick response…this site is awesome!

Dean WolfePresident // Integrity Mortgage Group

Thank you. I love your site and congratulate you on such an informative publication. My underwriters are even taking subscriptions. Thanks for all you do in this quickly changing time. Have a wonderful New Year!

Tomi BeckBranch Manager // First State Mortgage

Almost done! You might be the first person to get this far down the page!!

Thank you so much for this information! It has helped me put together a refinance for a client that will save him more than $500 per month on his current mortgage payments! You made my day!

Lisa MorielloUnited Mortgage Finance Group

I just wanted to say how much I appreciate the information you provide on your website. Your articles are amazing and I read every one them word by word. At the times, when everybody has confusing interpretations of the new guidelines, you make them seem so simple and easy to understand. Great Job.

Ed EissaNational Mortgage Associates

Subscribed! (and worth every penny!) Thanks!

Dan TenchallGreat Lakes Mortgage Funding

As the owner of a large mortgage company, I relied on for years as most reliable source for compliance issues and agency guidelines. I have subscribed to every resource available in the industry on such content and found to be the best. I use the arrival of each issue as the time in my calendar to assess compliance and guideline concerns in my company. Additionally, my service staff enjoys reading it and it has served as an invaluable training tool. Nothing else in the market compares!

Kelly L. McGuinnessUnited Mortgage Finance Group, Inc.

Just a note to say thanks for all you do. I read religiously – it is the BEST source for keeping up to date! Your contribution to our industry is enormous.

Mats KinnisonCTX Mortgage

I really like your charts and find it very helpful and written in plain English.

Jeannie HammonInland Empire Bank

As a broker who’s trying to do it right I applaud you! This time around I’m faced with inexperienced LO’s but more importantly lenders that have no idea what they are doing.

Mike SoldatiFairfield, CA