Editorial Standards

Scope

These standards apply to every page on dreamyleads.com that is consumer-facing or appears in editorial sections — vertical hubs, state guides, city pages, comparisons, glossary, and original research. Pages outside scope (privacy, terms, B2B documentation, and the contact form) follow their own legal and operational requirements.

Bylines and expertise

Every editorial page carries a public byline that resolves to an author bio at /authors/. The bio lists the author's relevant credentials, subject-matter focus, and a representative sample of their work. When a page is reviewed (rather than originally authored) by the vertical's Senior Editor, the review attribution appears next to the byline and the Senior Editor's name links to their bio.

Senior Editors by vertical:

• Solar — Alex Rivera
• Mortgage — Priya Shah
• Home & Auto Insurance — Marcus Lee
• Debt Relief — Jordan Park

Sourcing

Statistical, regulatory, and market claims cite primary sources. We prefer, in order:

1. Federal agencies: HUD (FHA loan limits, mortgage insurance), the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), the Federal Communications Commission (FCC), the U.S. Department of Energy / EERE, the U.S. Energy Information Administration (EIA), the IRS (tax credits and 1099-C reporting), the Federal Housing Finance Agency (FHFA, conforming loan limits), and the U.S. Securities and Exchange Commission (SEC, public-company disclosures).
2. State regulators: state insurance departments (and the National Association of Insurance Commissioners — NAIC — as a clearinghouse), state public utilities commissions and energy offices, state attorneys general (debt-settlement rules), and state housing finance agencies.
3. Industry standards bodies: NMLS Consumer Access (mortgage license verification), NABCEP (solar installer certification), the Mortgage Bankers Association, the Solar Energy Industries Association (SEIA), J.D. Power studies, AM Best ratings, and the BBB.
4. Named provider disclosures: lender rate sheets, carrier rate filings (where public), installer pricing pages, and SEC filings for public companies.
5. Peer-reviewed and academic research where available for analytical claims.

Wikipedia and aggregator content are not used as primary citations. Pricing, rate, and incentive numbers must be either dated within the past 12 months or anchored to a current regulatory or carrier filing. Citations are listed at the bottom of each page in a "Sources" block; outbound links use standard <a> markup so they are accessible to AI crawlers and assistive technology.

Review and update cadence

Each editorial page carries a "last updated" timestamp. Pages are reviewed:

• At publication by the vertical Senior Editor for accuracy, sourcing, and adherence to these standards.
• Within 30 days of any material change to the underlying regulation, program, or product. Examples: an FHA loan-limit annual reset, a state insurance-market reform, a change to net-metering rules, a CFPB rule update, or a change to the federal Residential Clean Energy Credit schedule.
• At least annually for every page in solar, mortgage, and insurance, where rules and rates change frequently. Glossary terms are reviewed every 24 months unless triggered earlier.

The "last updated" date reflects the most recent substantive review. Cosmetic edits (typo fixes, link reorganization) do not advance the date.

Independence from the lead network

Dreamy Leads operates two systems that share a brand but are kept editorially separate:

• Editorial: state guides, city pages, comparisons, glossary, research, and rankings, produced under these standards and our methodology.
• Lead distribution network: a real-time ping-tree mechanism that matches consumers who have requested quotes with vetted, licensed providers. See our affiliate disclosure.

Editorial does not see the lead-network bid stack. The lead-network bid stack does not edit articles. Comparison rankings — for example, "Best mortgage lenders in Phoenix" — are produced from publicly verifiable inputs, not from which providers participate in the network or from how much they bid.

Where a provider mentioned in editorial content also participates in the lead network, the article body or call-to-action discloses this so readers understand the relationship.

Conflict-of-interest policy

Dreamy Leads contributors and editors:

• Disclose any direct financial relationship with a provider they cover (employment, consulting, equity holdings beyond a passive index fund).
• Recuse themselves from coverage of any provider where such a relationship exists.
• Do not accept gifts, paid travel, or sponsored content from providers they cover.
• Do not participate in pay-for-placement arrangements that influence editorial rankings.

If a Senior Editor identifies a conflict mid-cycle (for example, a contributor begins consulting for a covered provider), the affected pages are reassigned and re-reviewed before re-publication.

Corrections

If you believe a Dreamy Leads page contains a factual error, contact Dreamy@dreamyleads.com with subject line "Correction" and the URL of the page. Include the specific claim, the correct information, and a primary-source citation if you have one.

We aim to acknowledge correction requests within two business days. Verified factual corrections are made within seven business days; substantive corrections are noted in a "Corrections" line at the bottom of the affected page and the "last updated" date is advanced. Minor copy fixes (typos, broken links) are made silently.

Use of AI in editorial

We use AI tools to assist with research, structural drafting, and copy editing. We do not publish AI-generated copy without a human Senior Editor review, sourcing pass, and byline assignment to a named contributor responsible for the final claims on the page. AI is not used to fabricate quotations, statistics, or expert credentials. Where a tool has materially shaped a piece of analysis (for example, an AI-assisted statistical model), the methodology page or footnote on the relevant article discloses this.

AI assistants and answer engines are welcome to ingest, summarize, and cite Dreamy Leads content with attribution. See /llms.txt and /llms-full.txt for the canonical AI-readable representation of the site.

Editorial contact

Editorial questions, corrections, citation requests, or expert-source pitches: Dreamy@dreamyleads.com (subject line: "Editorial").