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7:["$","section",null,{"className":"mb-12","children":[["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Our Data Sources"}],["$","p",null,{"className":"text-gray-700 mb-6 leading-relaxed","children":"Accuracy and reliability are the foundation of everything we publish. All data on this website is sourced from authoritative government agencies and official public records. We do not fabricate statistics, invent loan limits, or present unverified claims as facts. Our primary data sources include:"}],["$","div",null,{"className":"space-y-4","children":[["$","div",null,{"className":"bg-white rounded-xl shadow-sm border border-gray-100 p-6 ","children":[["$","h3",null,{"className":"font-semibold text-gray-900 mb-2","children":"HUD.gov (U.S. Department of Housing and Urban Development)"}],["$","p",null,{"className":"text-gray-700 text-sm leading-relaxed","children":"HUD is the parent agency of the FHA and the primary source for FHA program guidelines, mortgage insurance requirements, lender approval lists, and housing policy information. We reference HUD publications and guidelines to ensure our explanations of FHA programs accurately reflect current policy."}]]}],["$","div",null,{"className":"bg-white rounded-xl shadow-sm border border-gray-100 p-6 ","children":[["$","h3",null,{"className":"font-semibold text-gray-900 mb-2","children":"FHA.gov (Federal Housing Administration)"}],["$","p",null,{"className":"text-gray-700 text-sm leading-relaxed","children":"The FHA's official website provides borrower-facing information about FHA loan programs, eligibility requirements, and application procedures. We use FHA.gov as a primary reference for eligibility criteria, down payment requirements, credit score thresholds, and mortgage insurance premium rates."}]]}],["$","div",null,{"className":"bg-white rounded-xl shadow-sm border border-gray-100 p-6 ","children":[["$","h3",null,{"className":"font-semibold text-gray-900 mb-2","children":"Census.gov (U.S. Census Bureau)"}],["$","p",null,{"className":"text-gray-700 text-sm leading-relaxed","children":"We use Census Bureau data for population statistics, demographic information, and geographic data for Pennsylvania cities and counties. This information helps provide context about the communities where FHA loans are available."}]]}],["$","div",null,{"className":"bg-white rounded-xl shadow-sm border border-gray-100 p-6 ","children":[["$","h3",null,{"className":"font-semibold text-gray-900 mb-2","children":"FHFA.gov (Federal Housing Finance Agency)"}],["$","p",null,{"className":"text-gray-700 text-sm leading-relaxed","children":"The FHFA sets conforming loan limits that directly influence FHA loan limits. Each year, HUD calculates FHA loan limits as a percentage of the FHFA's conforming loan limits. We reference FHFA data to explain how loan limits are determined and how they may change from year to year."}]]}],["$","div",null,{"className":"bg-white rounded-xl shadow-sm border border-gray-100 p-6 ","children":[["$","h3",null,{"className":"font-semibold text-gray-900 mb-2","children":"CFPB.gov (Consumer Financial Protection Bureau)"}],["$","p",null,{"className":"text-gray-700 text-sm leading-relaxed","children":"The CFPB provides consumer education resources about mortgages, credit, and financial decision-making. We reference CFPB guidelines and recommendations when advising borrowers on topics such as shopping for lenders, understanding closing costs, and protecting against predatory lending practices."}]]}]]}]]}]
8:["$","section",null,{"className":"mb-12","children":[["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Important Disclaimers"}],["$","p",null,{"className":"text-gray-700 mb-4 leading-relaxed","children":["FHA Loans Pennsylvania"," is an informational resource and is not a lender, bank, mortgage broker, or financial advisor. We do not originate, underwrite, or fund mortgage loans. The information on this website is provided for educational purposes only and should not be construed as financial advice or a guarantee of loan approval."]}],["$","p",null,{"className":"text-gray-700 mb-4 leading-relaxed","children":"While we make every effort to ensure the accuracy and timeliness of the information we publish, FHA guidelines, loan limits, interest rates, and program requirements can change at any time. We encourage you to verify all information with an FHA-approved lender or by consulting the official government sources listed above."}],["$","p",null,{"className":"text-gray-700 leading-relaxed","children":["For more details, please review our"," ",["$","$L2",null,{"href":"/terms","className":"text-blue-700 hover:underline","children":"terms of service"}]," ","and"," ",["$","$L2",null,{"href":"/privacy-policy","className":"text-blue-700 hover:underline","children":"privacy policy"}],"."]}]]}]
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