Frequently Asked Questions
Partnership Basics
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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.
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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
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Pay only when a loan closes
Choose a subscription for more leads
Includes marketing tools and reports
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Banks (national/regional)
Credit unions
Mortgage companies
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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
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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
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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
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Conventional (97% LTV) for first-time buyers
FHA loans for smaller down payments
VA & USDA loans for eligible buyers
State/local down payment assistance
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Premium partners get 15-30 qualified buyers per month
30-40% apply after introduction
70-80% of applicants close on a home
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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
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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
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With permission, lenders can access:
Verified income & credit data
Savings, debts, and financial readiness
Home preferences & estimated timeline
Completed mortgage education
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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.
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No. Borrower data is only shared with lenders they choose and with their consent.
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Bank-level encryption to protect data.
Secure login & access controls for lenders.
Regular audits to maintain compliance.
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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
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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
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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
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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.
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Borrowers use a document checklist
They upload & organize documents in a secure digital vault
They verify income, savings, and assets before applying
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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
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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
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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!
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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!
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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.
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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.
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Yes! Partners can offer exclusive perks like:
Application fee waivers
Appraisal rebates
Closing cost credits
Program Success and Performance Metrics
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Partner lenders see big improvements, including:
25% more borrowers get to closing
30% faster loan processing
40% fewer processing errors
35% higher borrower satisfaction
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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.
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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!
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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
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Onboarding training for new partners
Quarterly webinars with platform updates
On-demand training for borrower guidance
Premium partners get personalized coaching