Aaron Clowes is the named author and mortgage contact for this site. His professional background and contact details are on the Meet Aaron page. Educational guides support a conversation; they do not establish an individual approval or product availability.
Use the agency that sets the rule.
Loan-limit data comes from FHFA and HUD. Assistance guidance links to the relevant housing agency. VA, USDA, HUD, CFPB, and California agency sources support the applicable program and consumer explanations. A lender may apply additional requirements. Source links allow you to check the current official guidance.
What a source-check date means.
A source-check date records the editorial check of the cited material. It is not an approval by the agency, an independent professional certification, or a promise that rules will remain unchanged. Dates are stored explicitly; rebuilding the site does not automatically make the content newly reviewed. These pages are still in a private prelaunch version.
Examples explain a method.
Worked scenarios and calculator defaults are hypothetical assumptions. They are not completed client transactions, live rates, personalized financial advice, a Loan Estimate, or a forecast. Compare actual offers, fees, remaining debt, and your own timeline. A future refinance or investment return is not guaranteed.
Rules and availability can change.
Assistance windows, lender participation, loan limits, insurance costs, and pricing can change. Confirm them for the property, transaction, and date before relying on them. To flag an error, email hello@aaronclowes.com with the page and relevant source.
Verify lending availability.
Aaron’s listed identifiers are NMLS #200900 and CA-DFPI200900. Use NMLS Consumer Access and the California DFPI licensing information for current records. Confirm sponsorship and availability before applying. NEXA’s corporate disclosure identifies NEXA Mortgage, LLC, company NMLS #1660690; this site uses NEXA Lending branding.