Terms and disclosures
USDA Mortgage Answers is an educational and inquiry service operated by Timpson Application Development through its Mortgage Answers division, also called TAD Mortgage. We are not a lender, mortgage broker, loan originator, government agency, or current affiliate of a mortgage company.
Contact information
Timpson Application Development
265 W Woolley Ave
Centennial Park, AZ 86021
(435) 212-0693
contact@timpsonapps.com
Educational information only
The site organizes publicly available USDA housing-program information and helps visitors use official tools and ask clearer questions. Content is general education, not legal, tax, financial, credit, underwriting, or individualized mortgage advice. Program rules, maps, income limits, agency guidance, lender requirements, fees, and availability can change.
No application, eligibility decision, or loan offer
Submitting a form, chat message, email, or text message does not create a mortgage application and does not result in a property-area determination, household-income determination, preapproval, approval, rate quote, loan offer, or commitment to lend. A map result or self-assessment is preliminary and does not replace an official USDA or participating-lender review.
No lender or government affiliation
USDA Mortgage Answers is not the U.S. Department of Agriculture, USDA Rural Development, or any other government agency, and is not endorsed by or affiliated with them. “Mortgage Answers” and “TAD Mortgage” describe an internal Timpson Application Development information division; they do not identify a mortgage company or licensed mortgage provider.
AI-assisted responses
Responsive AI systems may help organize questions, retrieve approved context, draft educational explanations, or assist with email and text-message responses. AI can make mistakes. Do not rely on an AI response as an official map result, program determination, household-income calculation, or personalized professional advice. Verify consequential information through the linked official source and an appropriately qualified professional.
Permission to contact you
If you submit an inquiry and affirmatively consent to contact, Timpson Application Development’s Mortgage Answers division may respond using the email address or telephone number you provided and the email, call, or text-message methods described in the consent language. Consent is not a condition of purchasing a product or service, approval, or loan offer. You may revoke contact permission at any time by replying STOP, using other clear stop-contact language, or contacting us at contact@timpsonapps.com.
Possible future professional referrals
Mortgage Answers is not currently affiliated with a lender or loan officer. We may later offer to introduce a visitor to an independent licensed mortgage professional. Before transferring inquiry information, we will identify the proposed recipient and request affirmative permission. These terms do not authorize an undisclosed future transfer.
Your responsibilities
Provide information you are authorized to provide and do not impersonate another person, submit unlawful or abusive content, interfere with the service, or use the site to distribute spam. Do not send Social Security numbers, complete birth dates, account numbers, passwords, tax or income documents, identification documents, or other sensitive files.
Official and third-party resources
Links to government and third-party websites are provided for convenience and verification. Those sites control their own content, availability, privacy practices, and services. For USDA’s current location, income, and program resources, visit USDA Rural Development Single Family Housing Programs.
Educational planning tools
The ZIP-area income comparison is an educational planning aid, not a USDA tool. It uses public U.S. Census Bureau and Federal Communications Commission geographic services to identify a likely county and state from a ZIP, then compares visitor-selected household size and income with a dated baseline from USDA’s FY 2026 Guaranteed Housing Program Income Limits table. References through eight people use the published household bands. For household sizes above eight, the comparison applies USDA’s published instruction to add 8% of the four-person limit for each additional person. A ZIP can cross county boundaries. The tool does not select the visitor’s official USDA county or metro-area limit, calculate adjusted income, query USDA’s property map, or determine eligibility.
Service availability and changes
The service is live and under active development. We may correct content, change features, suspend abusive access, or discontinue parts of the service. We do not guarantee uninterrupted availability, a response within a particular time, or that general information will address every situation.
Disclaimers and responsibility
We aim to provide careful, source-supported information, but we do not warrant that every page or response is complete, current, or error-free. To the extent permitted by applicable law, Timpson Application Development is not responsible for decisions made solely from general site content or for the independent acts, omissions, products, or decisions of government agencies or future third-party professionals.
Privacy
Our Privacy Notice explains the information we collect, how it is used, retention, service providers, advertising measurement, opt-outs, and privacy requests.
Contact
Questions about these terms may be sent to contact@timpsonapps.com or Timpson Application Development, 265 W Woolley Ave, Centennial Park, AZ 86021.
Last updated: July 24, 2026