About
About Mouhssine Ezzidi
Mouhssine Ezzidi is an independent researcher and the founder and principal editor of The Housing Signal, a publication providing data-driven housing market analysis and transparent mortgage calculators.
After navigating the home buying process himself and encountering tools laden with hidden lead-generation forms and opaque assumptions, he founded The Housing Signal to build consumer-first calculators that give buyers real answers without the sales pitch.
With a background in financial data analysis, Mouhssine focuses on breaking down complex housing market trends into transparent, primary-source calculations. That means pairing primary economic data, including Freddie Mac’s Primary Mortgage Market Survey, CFPB regulatory guidance, and Federal Reserve benchmarks, with on-page tools you can check. The calculators run entirely in your browser: they ask for nothing, transmit nothing, and publish the assumptions behind every figure alongside the result.
He holds no mortgage license and sells no financial products. The Housing Signal’s authority rests on two things you can check yourself on any page: the primary source behind every figure, and the published method behind every calculation. Where a claim cannot be sourced, it is not published.
The Housing Signal is not a mortgage broker, lender, or licensed financial advisor, and does not accept payment to rank specific lenders or to steer readers toward particular mortgage products. See our Editorial Standards and Advertising Disclosure for how that works in practice.
Questions, corrections, or data disputes: contact@thehousingsignal.com
About The Housing Signal
The Housing Signal is an independent educational platform built to help everyday people understand how the U.S. housing market works. Our mission is to make complex, fast-changing housing topics — mortgage-rate trends, market conditions, home affordability, and the homebuying process — clear and easy to understand, so readers can make informed decisions with greater confidence. We pair plain-language explanations with a set of free calculators that let readers explore the numbers for themselves.
What we cover
Our content spans four main areas: mortgage rates and the factors that move them; market updates on home prices and inventory; home-buying guides that walk through steps like budgeting, credit preparation, and down payments; and interactive calculators for estimating monthly payments, affordability, rent-versus-buy comparisons, and down payments. The aim is to turn complex, fast-changing housing topics into information that is easier to understand.
How we research
Everything we publish is based on publicly available data and authoritative sources — including government agencies, established industry bodies, and other recognized public datasets. We explain how the key numbers fit together and note that figures change over time, encouraging readers to check the latest data for themselves. Our articles are written to inform: they describe options and trade-offs rather than steering readers toward any particular product, lender, or course of action.
Independent and educational
The Housing Signal is an independent educational publication. We are not a lender, broker, or a financial, legal, tax, mortgage, investment, or real estate advisory service, and our content is provided for general educational purposes only. For guidance specific to your situation, consider speaking with an appropriately qualified professional.
Ownership and corporate entity
The Housing Signal is owned, published and operated by Prime Path Commerce LLC.
Registered address: 30 N Gould St, Ste N, Sheridan, WY 82801, USA. This is the company’s registered legal address of record — it is a registered-agent address, not an editorial office. Our editorial work is done by the named editor above, and correspondence reaches us fastest through the contact page.
We publish under a named editor and a named legal entity rather than anonymously, because a publication that asks you to trust its figures should be willing to say who is behind them.
Commercial relationships and our own products
Where we have a commercial relationship with something we write about, we disclose it on the page where the link appears and in the same view as the link — not only in a footer or a site-wide policy. That includes affiliate and referral arrangements, and it includes any software built by Prime Path Commerce LLC itself.
Two rules govern how that works in practice. We monetise the link that sends you to a product, never the citation that lets you check a figure — source references stay clean so you can always verify what we quoted. And where only one side of a comparison pays us, we say so in plain words, including when the product that pays us is the one we conclude is better.
Tools and software are discussed separately from our primary-source data reporting and are organised by the job they do. Anything we own will be labelled as ours, every time it appears.
Corrections
Every figure we publish carries the date it was read and names the document it came from. Housing programmes and municipal codes change without notice and often without announcement, so those dates matter as much as the numbers. When a primary source is revised, we update the guide and re-date the figures.
If you find a discrepancy, a limit that has moved, or a code change we have missed, please tell us through our contact page. Corrections are the single fastest way to improve a data-led publication, and we would rather hear it from you than leave a wrong number standing.
We are glad you are here, and we hope The Housing Signal helps you understand the housing market with greater confidence.