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Just Right Loans publishing standard

The people and evidencebehind our financial content.

Just Right Loans Financial Standard mark
The Just Right Loans editorial markNamed people · documented checks · traceable evidence

This guide shows how Just Right Loans turns financial information into a clearer decision resource—with named experts, separate checks, practical tools and evidence readers can trace.

  • Three-role accountability
  • Source-to-statement trail
  • Decision-ready guidance
Just Right Loans Financial Standard mark

A Just Right Loans publishing mark backed by named people, documented checks, practical decision support and traceable evidence.

Why our standard stands apart

Built for decisions—not just page views.

A marked Just Right Loans page brings the people, evidence, practical tools and revision history for a financial decision into one place. The result is easier to inspect, compare and use.

Three accountable roles

An author builds the explanation, an editor improves the experience and a reviewer checks important financial claims. Each name links to a professional profile.

Evidence you can trace

Important consumer, product and regulatory explanations connect to a clear source record, with official or primary material preferred when available.

Numbers you can use

Calculators, comparisons and examples are designed to return a useful answer while keeping costs, timing, assumptions and tradeoffs visible.

The Just Right advantage

Six advantages built into every marked page.

We design financial content around the moment a reader has to choose an amount, compare a cost, question a claim or decide not to borrow.

3separate editorial roles
1visible evidence trail
  1. 01
    Checks are separated

    Writing, editing and financial review are assigned as distinct responsibilities.

  2. 02
    Sources are one clear path away

    Readers can move from a claim to our source record and then to the original material.

  3. 03
    Tools must return value

    Interactive blocks are expected to calculate, compare or clarify—not merely collect input.

  4. 04
    Dates show real work

    Published, edited and reviewed dates identify the stage completed on that page.

  5. 05
    Tradeoffs stay visible

    Cost, timing, risk, alternatives and important limits appear before a decision is made.

  6. 06
    Useful without an application

    The page should help a reader make a better choice even when that choice is not to borrow.

The mark in use

One standard. Three clear website formats.

The artwork and meaning stay consistent. Its presentation changes only to keep the mark legible and proportionate in a guide, a content panel or a compact page record.

Primary mark280–360 px
Full-size Just Right Loans Financial Standard mark

Full editorial mark

Used where the standard itself is being explained, including this guide and prominent trust sections.

Standard placement120–180 px

Content-panel mark

Used inside supporting editorial and evidence panels where the full artwork remains readable.

Compact placement38–56 px
Just Right Loans editorial standardAuthored, edited and reviewedPeople, process and supporting evidence

Page-record mark

Used beside contributor details, with a readable label carrying the meaning that cannot fit inside the small artwork.

Consistent by design: the full mark keeps its fixed shape, colors and wording; compact placements use the same shield without unreadable miniature text.

Measured methodology

The same pages, measured against the same rules.

This is a matched-page census of all 71 current financial guidance pages carrying the mark. Each current URL is compared with its simpler pre-standard version from the August 31 baseline archive—not with a hand-picked set of weaker pages.

Core-control pass rate 95.2%

473 of 497 page-level checks passed in the current build, compared with 163 of 497 in the baseline.

Baseline32.8%
Current95.2%
Matched coverage71/71

Eligible current pages paired to the same baseline URL.

Problem-page rate31%

Down from 100%; “problem” means at least one missing structural control.

Mean gaps per page0.34

Baseline: 4.70 missing checks per page.

Paired direction71 / 0

71 pages improved; 0 regressed.

Control pass rate
473 ÷ (71 × 7)= 95.2%
Problem-page rate
22 ÷ 71= 31.0%
Mean gaps per page
24 ÷ 71= 0.34
Paired pass-rate change
95.2 − 32.8= +62.4 pp
Structural comparison

Pass rate by control

71 matched URLsBaseline: Aug 31 · Current: Sep 5

Counts and percentages are exact for the matched site corpus. “Change” is percentage-point difference.
Measured controlSimple baseline pagesCurrent marked pagesChange
Pages missing at least one control Problem rate · lower is better 71/71100% 22/7131% −69.0 pp
Named author, editor and reviewer 0/710% 71/71100% +100.0 pp
Publication, editing and review dates 0/710% 67/7194.4% +94.4 pp
Five to eight matched explanatory notes 0/710% 71/71100% +100.0 pp
Focused, nofollow source list (one to six) 21/7129.6% 51/7171.8% +42.2 pp
Working decision calculator or worksheet 71/71100% 71/71100% 0.0 pp
Visual decision roadmap 0/710% 71/71100% +100.0 pp
Product role stated in the decision area 71/71100% 71/71100% 0.0 pp
Coverage indicator 51/71 pages use an internal source record

Coverage indicator only. A page may use two or three direct official references without failing the core standard.

01

Population

All current pages carrying the editorial mark; redirects, legal pages, profiles, media pages and the application flow are excluded.

02

Matched design

Each current page is paired by relative URL with its August 31 baseline version. All 71 eligible pages had a match.

03

Scoring

Seven machine-testable HTML controls receive one point each. The pass rate is passed checks divided by 497 total opportunities.

04

Problem rule

A page is flagged when one or more controls are missing. Mean and median gaps summarize the number of missing checks per page.

What this comparison can—and cannot—show.

It measures observable structure, linkage and functional hooks. It does not by itself prove factual accuracy, reader comprehension, search rankings, conversion impact or causation. Because the full in-scope corpus is measured rather than sampled, we report exact counts and percentage-point differences instead of a p-value.

Open the audit dataset
People behind the mark

Different people perform different checks.

The contributor record on each marked page is the controlling record of who worked on that page. The team below represents the people currently named in author, editor or reviewer roles across marked Just Right Loans content.

Patricia Cook

Patricia Cook

Former CEO of Finance of America

  • Author
  • Editor
  • Reviewer
View profile
Jack Guttentag

Jack Guttentag

Wharton finance professor emeritus & mortgage researcher

  • Author
  • Reviewer
View profile
Chrissi Rhea

Chrissi Rhea

Mortgage Investors Group co-founder & housing-finance advocate

  • Author
  • Editor
View profile
Michael Sterner

Michael Sterner

Maryland mortgage banker & former association president

  • Author
  • Editor
  • Reviewer
View profile
Page-level attribution comes first.A person’s presence in this guide does not imply participation in every article. Use the names and dates displayed on the individual page.
Editorial workflow

Five stages before the mark appears.

Each stage answers a different quality question. Extra names are not added merely to make a page look authoritative.

  1. Define the decision

    Identify the practical question the reader needs to resolve—not only a search phrase.

  2. Write for use

    Explain the product, numbers, tradeoffs, alternatives and next steps in plain language.

  3. Edit the experience

    Check structure, repetition, labels, links, accessibility and whether interactive tools add real value.

  4. Review claims

    Check important financial statements, qualifications, examples, product roles and cited evidence.

  5. Record & maintain

    Display available stage dates and update a date only when the corresponding work is performed again.

Author

Owns the original explanation and practical decision framework.

Editor

Improves structure, clarity, usability, consistency and source presentation.

Reviewer

Performs an independent check of important claims, caveats and product-role language.

Eligibility for the mark

What a reader must be able to verify.

A marked page should disclose who prepared it, how its important information is supported, and where the limits of the information begin.

Evidence stays attached to the page.

Each marked page connects its statements to named people, dated work and supporting records, giving readers a direct path to inspect how the guidance was prepared and what to verify next.

  • Responsible people are namedAuthor, editor and reviewer appear with distinct roles and profile links.
  • Dates describe real stagesPublished, edited and reviewed dates appear when recorded; dates are not changed solely to manufacture freshness.
  • Sources are traceableImportant claims connect to usable references, with official or primary evidence preferred.
  • Product roles are explicitJust Right Loans is identified as a comparison and matching product, not a lender or creditor.
  • Numbers are qualifiedCalculators and examples are illustrative, not approvals, quotes, rates or lender offers.
  • Limits and alternatives remain visibleMaterial caveats, safer options and the possibility of not borrowing are not hidden.
Reference framework

Rules and guidance used in the relevant context.

These materials guide terminology, disclosure framing, fair-treatment language, advertising review, accessibility and source verification. Not every rule applies to every page, and this guide is not a legal opinion.

Consumer reports

Fair Credit Reporting Act / Regulation V

Reference point for credit-report, inquiry, furnishing, identity-theft and risk-based-pricing explanations.

Applied to: credit-profile and report topicsCFPB · Regulation V — Fair Credit Reporting Act
Claims and marketing

FTC advertising principles

Reference point for truthful, evidence-based claims that are not deceptive or unfair and for qualifications readers can notice.

Applied to: claims, comparisons and calls to actionFTC · Advertising and Marketing Basics
Accessible presentation

Web Content Accessibility Guidelines 2.2

Reference standard for perceivable, operable and understandable web experiences. It is not a financial regulation.

Applied to: interface and content presentationW3C · Web Content Accessibility Guidelines 2.2
Evidence path

Every reference has a clear route.

External sources are routed through the Just Right Loans media links directory so readers can see why a source is used before leaving the site.

  1. 1
    Read the relevant statement

    The article explains the claim in context.

  2. 2
    Open its source record

    An internal anchor identifies the source, publisher and evidence type.

  3. 3
    Inspect the original

    The directory opens the official or primary page in a new tab with a nofollow link.

Browse the standards source records

How evidence is labeled

01

Official regulationCurrent regulatory text from the responsible government source.

02

Government guidancePlain-language explanation from a regulator or public agency.

03

Primary recordOriginal disclosure, filing, dataset, agreement or institutional record.

04

Professional profilePublic record supporting a named contributor’s career or work.

05

Publisher coverageIndependent or distributed coverage, clearly distinguished from regulation.

Ongoing accountability

A marked page can be challenged and corrected.

If you find a factual error, unclear calculation, broken source or information that may need updating, contact the support team with the page URL and the exact statement. The page can be re-edited and re-reviewed, and the corresponding record is updated when that work is completed.

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