How we research, write and review
RefiNook covers decisions where being wrong costs real money or real wellbeing. This page sets out who produces the work, what every article is checked against, and the limits of what we do.
Who is behind the work
Hamza Hai, MBA
Editor, RefiNook
Hamza Hai is the editor of RefiNook. She holds an MBA and reviews the site's articles against our editorial standards, checking that every figure is labelled for what it is, that nothing is presented as verified fact without a source the reader can check, and that the writing stays useful to a non-specialist.
Editorial team
Consumer finance writing
RefiNook guides are written by our editorial team from published lender rate sheets and state-level cost data so readers can sanity-check any quote. They are educational general information, not financial advice.
What every article is checked against
- Nothing is invented. We do not publish statistics, study results, citations, quotes, prices, or credentials that we cannot stand behind. Where a specific number would be a guess, we write the principle instead and say why.
- Every figure is labelled. Illustrative examples are called illustrative. A worked example, its charts, its calculator and its FAQs are checked against each other so the same scenario produces the same numbers everywhere.
- Time-sensitive facts point to the source. Rates, limits, deadlines, programme rules and code requirements change, and they vary by provider and by place. We explain the mechanism and send you to the official source for the current figure.
- Links are verified. Internal links are checked to resolve. We do not link out for the sake of it, and a link is never a substitute for explaining something.
- Images are described from the image. Alt text and captions describe what is actually in the picture. Where a stock image does not match the subject, we say so in the caption rather than let it imply something untrue.
- Corrections are made in place. When something is wrong we fix the article itself and move the updated date, rather than quietly leaving it or burying a note.
The limits of what we do
Our editor is not a licensed mortgage professional, and nothing on RefiNook is personalised financial advice. Editorial review checks the arithmetic, the framing of every rate and fee figure, and that we send you to your own loan documents rather than asserting terms we cannot see.
Found something wrong?
Corrections are welcome and we would rather hear it from you than not. Email [email protected] with the page and what is inaccurate, and we will check it against the source and correct the article if it is wrong.