Frequently Asked Questions

Partnership Basics

  • My Home Pathway helps buyers get mortgage-ready and connects them with lenders like you. Every year, 5 million mortgage applications get rejected, but 70% of them could be approved with the right help. Our technology guides these buyers from rejection to approval, turning lost deals into new revenue for lenders.

    • You get buyers who are ready to apply for a loan

    • Lower costs to find new borrowers, in some cases <10% of the cost of acquisition for most lenders

    • More loans close successfully

    • Pay only when a loan closes

    • Choose a subscription for more leads

    • Includes marketing tools and reports

    • Banks (national/regional)

    • Credit unions

    • Mortgage companies

    • We help buyers improve credit and savings through state of the art financial assessment and recommendations technology

    • Buyers come to lenders fully prepared

    • You get real, serious borrowers, not just names on a list

Lead Quality & Pipeline

  • My Home Pathway buyers aren’t just leads, they’re fully prepared borrowers! They:

    • Verify their income before meeting a lender

    • Improve their credit to meet mortgage standards

    • Save for down payment & closing costs

    • Understand the mortgage process before applying

  • Most of our buyers achieve a 680+ FICO score with a debt-to-income ratio below 43%.
    For buyers who need improvement, we provide:

    • Custom credit-building plans

    • Tracking tools for financial progress, utilizing state of the art technology that provides resources to improve credit scores, down payment, and debt to income ratio

    • Conventional (97% LTV) for first-time buyers

    • FHA loans for smaller down payments

    • VA & USDA loans for eligible buyers

    • State/local down payment assistance

    • Premium partners get 15-30 qualified buyers per month

    •  30-40% apply after introduction

    • 70-80% of applicants close on a home

  • Lenders get access to a dashboard that shows:

    • Where buyers are in their preparation journey

    • Estimated timelines to mortgage-readiness

    • Aggregated financial profiles

    If the borrower allows, lenders can see their individual progress such as credit score, DTI, and down payment savings.

Connecting With Borrowers & System Integrations

  • We connect lenders with qualified buyers based on:

    • Their loan needs & financial profile

    • Their home-buying timeline

    Borrowers can request an introduction, or lenders can get alerts when a match is found.
    All connections require borrower approval before sharing details.

  • Yes! Our API integration helps:

    • Automatically transfer borrower info (income, credit, assets)

    •  Reduce data entry and speed up loan processing

  • With permission, lenders can access:

    • Verified income & credit data

    • Savings, debts, and financial readiness

    • Home preferences & estimated timeline

    • Completed mortgage education

    • We follow RESPA regulations to ensure transparency

    • We provide clear lender disclosures

    • Borrowers always have lender choice

    We have an exceptional compliance team that regularly reviews regulations affecting housing partnerships across federal, state, and local jurisdictions.

  • No. Borrower data is only shared with lenders they choose and with their consent.

    • Bank-level encryption to protect data.

    • Secure login & access controls for lenders.

    • Regular audits to maintain compliance.

  • Yes! Premium lenders can co-brand our tools through:

    • API connections for smooth integration

    • Iframe options to keep everything in one place

    All while still maintaining compliance and providing seamless customer journeys

Borrower Education & Preparation

  • Our borrowers learn everything they need to be smart homebuyers, including:

    • How to build credit 

    • How to budget & save for a home 

    • How mortgages work 

    • Loan options & closing costs 

    • How to plan for long-term homeownership

  • We give borrowers personalized credit plans, including:

    • Credit analysis (looking at their credit lines)

    • How to use credit wisely 

    • Debt payoff & consolidation tips

    • Help with fixing errors on credit reports

  • We offer:

    • Mortgage calculators (to see what they can afford)

    • Debt-to-income analyzers  (to see if they qualify)

    • Down payment assistance finders (to find financial help)

    Borrowers develop realistic expectations about their purchasing power before entering the market.

    • Borrowers use a document checklist 

    • They upload & organize documents in a secure digital vault 

    • They verify income, savings, and assets before applying

    • Step-by-step checklists for application & closing

    • Templates to help respond to lender questions

    • Closing day preparation tools 

    • Guidance at every stage until their home purchase is complete

    • Borrowers must complete financial preparation before introduction.

    • They must meet lender-specified loan criteria (credit score, DTI, income).

    • Lenders receive detailed borrower profiles before engagement.

Marketing Community & Competitive Advantage

  • We provide everything you need to promote the partnership, including:

    • Social media posts 

    • Digital marketing materials 

    • Branch displays 

    • Presentation slides 

    Premium partners can also sponsor webinars and community events to show their commitment to homebuyer education!

  • Yes! We create programs for:

    • First-time homebuyers

    • Moderate-income families

    • Minority communities

    • Other underserved markets

    This can help you meet CRA goals and grow your market!

    • You’ll be seen as more than just a lender, you’ll be a trusted guide for homebuyers.

    • Consumers trust lenders who help them prepare, leading to higher loan approvals and more referrals.

  • Yes! We track first-time buyers, moderate-income borrowers, and community impact to help with CRA reporting. Premium partners can also sponsor programs in low-to-moderate income areas.

  • Yes! Partners can offer exclusive perks like:

    • Application fee waivers

    • Appraisal rebates

    • Closing cost credits

Program Success and Performance Metrics

  • Partner lenders see big improvements, including:

    •  25% more borrowers get to closing 

    •  30% faster loan processing 

    •  40% fewer processing errors 

    •  35% higher borrower satisfaction

    • We ask borrowers for feedback at different stages of the loan process.

    • Lenders get quarterly scorecards showing how they compare to others.

    • Metrics include communication, efficiency, and borrower satisfaction.

    • If they’re already qualified: 30-45 days

    • If they need more credit or savings improvement: 3-6 months

    Lenders get estimated readiness timelines so they know when borrowers will be ready!

  • We help borrowers fix common problems before they apply, such as:

    • Credit issues 

    • Missing documents 

    • High debt ratios 

    Lenders report: 45% fewer underwriting conditions, 60% faster condition clearing

    • Onboarding training for new partners

    • Quarterly webinars with platform updates

    • On-demand training for borrower guidance

    • Premium partners get personalized coaching