About Homebuyer.com
Homebuyer.com is a mortgage education and data platform operated by Opendoor Home Loans LLC. We publish free calculators, live rate comparisons, lending research, and articles that help home buyers understand their options and make confident decisions.
Free Mortgage Education Backed by Real Data
Homebuyer.com publishes free tools, research, and articles that help people understand what they can afford, compare mortgage options, and make informed decisions about home financing. Everything on this site is free to use.
There are no lead forms. We don't sell your information to lenders. We don't accept sponsored content or paid placements. When other mortgage websites show you rates, they're usually showing advertised rates from lenders who pay to appear. When we show you rates, they're actual rates from Opendoor Home Loans and market benchmarks published by the Federal Reserve.
How Homebuyer.com and Opendoor Work Together
Homebuyer.com is operated by Opendoor Home Loans LLC (NMLS #2810193). We're transparent about this because you should know who's behind the information you're reading.
Opendoor provides the mortgage products — conventional 30-year fixed-rate loans with $0 lender fees, no discount points, and no origination fees. Homebuyer.com provides the education, research, and tools. Our revenue comes from Opendoor mortgage originations, and our editorial content is independent of that business.
When our data shows Opendoor's rates are higher than the market average for a given scenario, we publish that. When our research reveals industry-wide problems, we report it. The data is the data.
Our Data Sources and How We Use Them
Every number on this site is traceable to a primary source. We don't summarize other websites or cite secondary research. Here's where our data comes from and how often it updates.
Opendoor Mortgage Rates
Live lender rates from Opendoor Home Loans by state, FICO tier, and LTV tier. These are actual rates from an active lender — not survey data, not advertised rates.
Updated daily
Opendoor Home Sales Data
First-party transaction data from Opendoor, one of the largest home buyers and sellers in the US. Provides real-world context on home prices, closing timelines, and market conditions.
Ongoing
Optimal Blue Mortgage Market Indices
Market-average rates across thousands of lenders, published through FRED (Federal Reserve Economic Data). This is our primary benchmark for comparing Opendoor rates against the broader market.
Updated daily on business days
HMDA Mortgage Data
121 million+ mortgage applications from the Home Mortgage Disclosure Act. We query the full dataset via BigQuery — every application filed, not a sample or summary.
2018-2024 data available
FHFA Conforming Loan Limits
Loan limits for all 3,200+ US counties published by the Federal Housing Finance Agency. We cover conventional, FHA, VA, and USDA limits for 1-4 unit properties, with historical data back to 1972.
Updated annually
Congress.gov
45 housing-related bills tracked with status, sponsors, cosponsors, and committee assignments. Direct from the official congressional record.
Updated as bills progress
How Our Content Is Written and Reviewed
Every article on Homebuyer.com is written or reviewed by Dan Green, a mortgage professional with over 20 years of direct lending experience. Statistics are calculated from primary federal data sources. Rates are live from Opendoor's rate sheet and the Optimal Blue market index — not copied from other websites.
We update content when the underlying data changes. When loan limits increase, our loan limit pages update. When rates move, our rate pages reflect the change. When a bill progresses in Congress, our tracking updates. This site is a living data platform, not a static library.
Our full editorial standards, fact-checking process, and content guidelines are documented and public. Read our Editorial Guidelines →
About Dan Green
Mortgage Expert & Site Editor · NMLS #227607
Dan Green is a mortgage professional with over 20 years of direct lending experience. He writes, reviews, and edits every piece of content on Homebuyer.com and is regularly cited by the press for his mortgage insights.
Dan built Homebuyer.com because most mortgage websites exist to generate leads. This one exists because home buyers make better decisions when they have real data instead of marketing.
How People Use Homebuyer.com
8.6M
Articles read
10M+
Mortgage calculations
2.2M
Minutes of video watched
50
States served
Daily
Rate updates
121M+
HMDA records queryable
Explore Homebuyer.com
Opendoor vs market, updated daily
By income, credit score, and loan type
AI answers backed by HMDA data and live rates
Every county, every loan type, back to 1972
Upload an LE and compare against Opendoor
Calculators, lookups, and document generators
Expert-written guides on every mortgage topic
MCP server, REST APIs, and data feeds
For Press & Media
Citing Homebuyer.com in your reporting? Here's what you need:
- Cite as: “According to Dan Green, a mortgage expert at Homebuyer.com...” or “According to Homebuyer.com, a mortgage education site operated by Opendoor...”
- Contact: Dan Green, dan@opendoor.com
- Data sources: HMDA (via BigQuery), Optimal Blue (via FRED), Opendoor rate sheet, FHFA loan limits, Congress.gov
Every statistic on the site links to its primary source. If you need custom data analysis or a quote, email dan@opendoor.com.
Licensing & Compliance
Opendoor Home Loans LLC
NMLS #2810193 · 1295 W Washington St, Suite 115, Tempe, AZ 85288 · 480-618-6760
Homebuyer.com and Happy Homebuying are trademarks of Opendoor. Content is for informational purposes only and should not be considered financial or legal advice. Nothing on this website constitutes a loan commitment or rate lock agreement. Equal Housing Opportunity.
