Our Editorial Standards
Expertise Requirements
- Minimum 5 years financial industry experience
- Professional certifications (CFP®, CFA, FRM, NMLS)
- Advanced degrees in Finance, Economics, or related fields
- Regular continuing education and certification maintenance
Content Review Process
- All content reviewed by certified financial professionals
- Regular updates to reflect current regulations and rates
- Fact-checking against official sources (FDIC, CFPB, Fed)
- Peer review by multiple subject matter experts
Lead Financial Authors
Dr. Sarah Chen, PhD, FRM
Chief Financial Content Officer
15+ years Wall Street experience | MIT PhD Financial Mathematics
Professional Background
- Education: PhD Financial Mathematics, MIT; MS Statistics, Stanford
- Previous Roles: Senior Quantitative Analyst at JPMorgan Chase, Risk Manager at Goldman Sachs
- Certifications: Financial Risk Manager (FRM), Chartered Financial Analyst (CFA) Level III
- Expertise: Mortgage mathematics, risk modeling, derivative pricing
Content Specializations
- Mortgage and loan calculation algorithms
- Interest rate analysis and forecasting
- Risk assessment methodologies
- Complex financial product evaluation
Published Work
Dr. Chen has published over 20 peer-reviewed papers in financial mathematics journals and is a frequent speaker at industry conferences. Her research on mortgage-backed securities pricing models has been cited over 500 times in academic literature.
"My mission is to make complex financial calculations transparent and accessible to every American family making important borrowing decisions."
Jennifer Thompson, CFP®, MBA
Senior Consumer Lending Specialist
12+ years Banking | Wharton MBA | CFP® Certified
Professional Background
- Education: MBA Finance, Wharton School; BS Economics, UC Berkeley
- Previous Roles: Senior Mortgage Specialist at Bank of America, Branch Manager at Wells Fargo
- Certifications: Certified Financial Planner (CFP®), NMLS Licensed Loan Originator
- Expertise: Consumer lending, first-time homebuyer programs, financial planning
Content Specializations
- First-time homebuyer guidance
- Government loan programs (FHA, VA, USDA)
- Credit improvement strategies
- Personal financial planning
Community Involvement
Jennifer volunteers with HUD-approved housing counseling agencies and has helped over 1,000 families achieve homeownership. She regularly conducts financial literacy workshops in underserved communities.
"Every family deserves access to clear, honest information about their borrowing options. My goal is to level the playing field between consumers and lenders."
Contributing Subject Matter Experts
Michael Rodriguez, MS
Technology & Security Specialist
- • MS Computer Science, Stanford
- • Former Google Senior Engineer
- • CISSP Certified Security Professional
- • 12+ years fintech development
"Ensuring our calculators are accurate, secure, and accessible to all users."
Prof. David Kim, PhD
Economics Research Advisor
- • PhD Economics, Harvard
- • Professor at Georgetown University
- • Federal Reserve research consultant
- • 20+ years academic research
"Providing academic rigor and economic context to our financial analysis."
Maria Santos, JD
Legal & Compliance Advisor
- • JD Harvard Law School
- • Former CFPB Legal Counsel
- • 15+ years financial regulations
- • Expert in TILA and state usury laws
"Ensuring all content complies with federal and state financial regulations."
Independent Peer Review Board
Our content undergoes rigorous review by an independent board of financial professionals to ensure accuracy and objectivity.
Board Members Include:
- Robert Chen, CPA, CFP® - Former Ernst & Young Partner
- Lisa Park, PhD - Federal Reserve Bank of Chicago Economist
- James Wilson, NMLS - 25-year Mortgage Industry Veteran
- Dr. Angela Martinez - Consumer Financial Protection Expert
Review Process:
- Initial content creation by subject matter expert
- Internal fact-checking and accuracy review
- Peer review by board member with relevant expertise
- Final editorial review and publication
- Quarterly content updates and re-review
Professional Affiliations & Memberships
CFP Board
Certified Financial Planner Board of StandardsCFA Institute
Global Association of Investment ProfessionalsGARP
Global Association of Risk ProfessionalsNMLS
Nationwide Mortgage Licensing SystemFINRA
Financial Industry Regulatory AuthorityAACSB
Association to Advance Collegiate Schools of BusinessContent Attribution & Updates
How We Attribute Content
- Each article includes author byline with credentials
- Review dates and update history clearly displayed
- Contributor and reviewer credits included
- External source citations provided where applicable
Content Update Schedule
- Rate Information: Updated daily
- Regulatory Changes: Updated within 30 days
- Educational Content: Reviewed quarterly
- Calculator Algorithms: Reviewed semi-annually
Questions About Our Content?
Our expert team is committed to providing accurate, helpful financial information. If you have questions about our content or methodology, we'd love to hear from you.