Sources & editorial approach

Clarity you can
trace to the source.

We prioritize official consumer resources and explain the limits of our tools. Follow the source for the current rule, document or program.

How to use this library

Guides separate general planning suggestions from sourced rules or research. The educational content was reviewed on September 11, 2026. Some source documents are older than that review date; their dates and scope are listed below. A review date does not make a source a new publication.

NAR practice rules apply to covered participants and are not presented as universal law. National survey findings describe their samples and periods; they are not Arizona price predictions. Competitor pages describe those companies’ own offerings and are not endorsements or evidence of Neo partnerships.

Calculator defaults are hypothetical. No live mortgage rate, listing, valuation or eligibility service is connected. Professional review is appropriate for transaction-specific decisions.

Read the research behind the platform ↗

Consumer Financial Protection Bureau

Loan Estimate Explainer ↗

Updated October 29, 2025. How to compare loan terms, payment components, closing costs and cash to close.

Consumer Financial Protection Bureau

Closing Disclosure Explainer ↗

Reviewed September 11, 2026. Reviewing final loan costs and comparing them with a Loan Estimate.

Consumer Financial Protection Bureau

Your home loan toolkit ↗

Reviewed September 11, 2026. Budgeting, mortgage shopping and the homebuying process.

Consumer Financial Protection Bureau

Mortgage Closing Scams: How to protect yourself and your closing funds ↗

Updated June 25, 2026. Independent verification of payment instructions and urgent response to suspected fraud.

Consumer Financial Protection Bureau

Find a Housing Counselor ↗

Reviewed September 11, 2026. Search for HUD-approved housing counseling agencies.

Arizona Department of Real Estate and Arizona REALTORS®

Arizona Buyer Advisory ↗

January 2025 edition linked by ADRE; reviewed September 11, 2026. Property documents, physical conditions and surrounding-area due diligence. Refer to the current edition.

Arizona Department of Real Estate

Public Database ↗

Live resource. Check licenses, employment and public reports directly with the regulator.

Arizona Department of Real Estate

Consumer resources ↗

Reviewed September 11, 2026. Consumer information, complaints and official resources.

National Association of REALTORS®

Consumer Guide to Negotiating Written Buyer Agreements ↗

September 17, 2024; reviewed September 11, 2026. Negotiable services, duration and compensation. NAR practice rules are not a statement of universal law.

National Association of REALTORS®

Written Buyer Agreements 101 ↗

Reviewed September 11, 2026. Written agreements under NAR settlement practice changes for covered MLS participants.

Federal Emergency Management Agency

Flood Map Service Center ↗

Live resource. Official public flood hazard maps. Recheck for a specific property and current map date.

U.S. Department of Housing and Urban Development

Fair Housing: Rights and Obligations ↗

Reviewed September 11, 2026. Federal housing nondiscrimination protections and reporting resources.

National Association of REALTORS®

NAR 2025 Profile of Home Buyers, Sellers Reveals Market Extremes ↗

November 2025; transactions July 2024–June 2025. National survey context: 88% of buyers and 91% of sellers used an agent; not Arizona market statistics.

Zillow Research

Buyers: Results from the Zillow Consumer Housing Trends Report 2025 ↗

2025 research; fielded April–September 2025. 84% used an agent; among agent users, 25% shopped independently and hired help to finalize. National survey, not a local forecast.

Zillow Research

Prospective Buyers: Results from the Zillow Consumer Housing Trends Report 2025 ↗

2025 research; reviewed September 11, 2026. 59% reported shopping for at least six months. Listing-feature preferences and planning horizon.

Redfin

Why Redfin? ↗

Product page reviewed September 11, 2026. Company-described combination of agents, tools, home search and tours; marketing claims are not independent evidence.

Opendoor

Make the easy move ↗

Product page reviewed September 11, 2026. Company-described cash-sale and selling options; eligibility and terms vary.

HomeLight

What Is Simple Sale? A Platform for Selling Your Home Fast ↗

July 9, 2026. Company-described cash-offer comparison and agent matching. Page gives differing time estimates; no timing claim adopted.

Neo Real Estate LLC

Neo Real Estate — existing website ↗

Archived September 11, 2026. Existing public brokerage identity, contact details, Mesa office and agent-partnership positioning.