Direct answers
The page addresses the question before introducing a product path or asking for more information.
Editorial and AI policy
How Lenny's mortgage guidance is sourced, reviewed, and corrected.
Mortgage guidance can affect consequential financial decisions. LenderCity separates education and comparison from lender verification, pricing, eligibility, and approval.
Named mortgage review
Consumer mortgage guidance is reviewed by an identifiable mortgage professional.
Gregg Harris reviews interpretation pages where mortgage experience can materially improve accuracy, comparability, and borrower clarity.
About Gregg HarrisIndividual NMLS 205617Verify on NMLS Consumer Access
Content principles
What borrowers should be able to expect
Plain-language explanations
Internal routing, model policy, and technical pricing language do not belong in borrower-facing guidance.
Primary sources first
Government agencies, agency guides, and original program documentation take priority over third-party summaries when an authoritative source is available.
Visible uncertainty
Assumptions, missing inputs, market-sensitive dates, and lender-confirmation items are stated rather than silently filled in.
Review workflow
Each interpretation page should show who, how, and when.
Named reviewer
A review byline links to the reviewer's profile and public credential record.
Disclosed method
The answer distinguishes disclosed facts, calculations, assumptions, and items that remain unknown.
Dated review
Pages carry a visible review or update date and are scheduled for review when sources or product behavior change.
AI boundaries
AI explains; structured tools calculate and compare.
Lenny may use an AI model to interpret mortgage questions and communicate naturally. Structured calculators and decision modules handle mortgage math, Loan Estimate fields, rate-offer comparisons, and safeguards that should not depend on prose generation alone.
- General non-mortgage requests are outside Lenny's scope.
- Income or debt supplied voluntarily may add context, but it is not treated as verified.
- Missing offer data is not replaced with zero.
- A winner is not declared when the available evidence is not comparable.
- Points are not recommended without a cost and break-even analysis when the needed inputs are available.
- AI-assisted drafting does not replace mortgage review on reviewed interpretation pages.
Corrections and feedback
How to report a concern
If a Lenny response appears inaccurate, incomplete, or mismatched to the question, report the question, the answer shown, and the scenario details that affected it. Do not include Social Security numbers or other unnecessary sensitive information.
Last reviewed August 1, 2026. This policy describes the product's editorial and AI standards; it is not a substitute for the LenderCity Privacy Policy or Terms of Use.