Editorial Policy

YPN USA publishes guides, comparisons and market pages for licensed mortgage loan officers. This policy explains who writes them, how we check facts, and how we handle the fact that we sell a product in the same market we write about.

Who we are

YPN USA is operated by YPN Inc., a marketing technology company for licensed mortgage loan originators. YPN Inc. is not a lender and does not originate, fund or service loans. Our content is overseen by founder David J. Moore, MBA, a licensed mortgage loan originator (NMLS #787257) and California real estate licensee (DRE #01852847).

What we publish

Guides on lead generation, local SEO, follow-up and Realtor partnerships for loan officers.
Comparisons between YPN USA and other tools loan officers use.
Loan type and market pages describing how loan officers can reach borrowers for a program or city.

Our content is marketing and education for licensed professionals. It is not mortgage, legal or tax advice for consumers, and it is not a loan offer.

How content is written and reviewed

We write for working loan officers: plain language, the answer first, and specifics over hype.
We may use AI tools to research and draft. David J. Moore or a licensed reviewer reviews every page before it is published, checks the facts against the sources listed, and is responsible for what it says.
Each guide and comparison shows who reviewed it and when.
We recheck comparison pages at least every 6 months, and sooner when a company changes its pricing.

Sourcing standards

Facts about other companies come only from their own public websites, filings or official announcements. We link the source and the date we checked it.
Where a company does not publish something, such as pricing, we say so rather than estimate it.
We quote statistics only with a named, linked source. We don't publish invented numbers, testimonials or results.
Regulatory statements reference the regulator or statute directly, such as NMLS, the CFPB or the California Department of Real Estate.

How we handle our own product

We sell YPN USA, so we have a commercial interest in comparisons that include it. To keep those pages useful:

Every comparison says that YPN Inc. publishes the page and sells YPN USA.
We list YPN USA's cons alongside its pros, and we say plainly when another tool is the better fit.
We describe YPN USA only with features and prices that are live today. We never promise leads, rankings, referrals or closings.
No company pays to be included, ranked or left out of a comparison.

Corrections

If you find an error, email support@ypnus.com with the page and what's wrong. We check every report, correct confirmed errors, and update the page's review date. Companies we compare can ask us to update facts about their own products the same way.

Compliance

Loan officers who use YPN USA remain responsible for their own advertising compliance, including NMLS disclosures and state and federal rules. Our templates include standard disclosures, but they are not a substitute for your company's compliance review.