Weftline Studio
The language of this site is warp and weft. Vertical warp threads are the months of a loan; the horizontal weft is the money laid across them. Everything on the page is built from that one idea — the header is a reed, the footer is a selvedge, the payment breakdown is a woven band whose ribbon widths are the arithmetic, and the hero is a canvas loom whose threads bow toward your pointer.
It is not decoration for its own sake. A mortgage is genuinely a structure of threads crossing time, and the single most useful fact about one — that interest runs thicker than principal for the first twenty years — is a picture before it is a number.
The company is fictional
Willow Creek Home Finance does not exist. It has no licence, no regulator, no staff and no ability to take an application. Everyone on the team page is invented, and shown as initials rather than a borrowed photograph. The office is on a street that is not there. The telephone number is inside the block reserved for fiction so that it cannot ring anybody.
Founded 2014, as written — one date, on every page. The previous version carried three.
What the calculators actually do
Thirteen calculators, each on its own page with its own URL, each citing the published rule it applies. The arithmetic is in one audited module covered by a test suite that asserts against the rules rather than against whatever the code happened to return first — including a test that fails if FHA mortgage insurance is ever made to cancel at 80% loan-to-value, and one that fails if the rent-versus-buy comparison ever banks a surplus for one household without charging it to the other.
The honesty pass
Everything invented that came out
These were all on the previous version of this site. None of them was true, and several of them could have caused harm to a real business or a real person.
- A company licence identifier and four per-officer identifiers, all in a real registry's format
- A 5.0 rating over 128 reviews, with a Google-branded review panel and star rows
- “Thousands of families helped” and “1,000s” as a statistic
- A rate table of six products with dated figures, attributed to a named rate survey
- “Same-day pre-approval”, “on-time closings, every time” and a 30-day closing promise
- A WCAG 2.1 AA conformance claim on a site nobody had audited
- Three different founding years — 2011, 2012 and 2014 — on the same site
- A page title describing a Portland lender on a Nashville company
- A real Nashville street name and house number as the office address
- Stock photographs of real people published as named loan officers
- Social profiles belonging to the web agency, presented as the lender’s own