Borrowers who arrive ready, and stay.
We prepare families for months before they apply: their credit, their debt, their savings for the down payment, closing and reserves, and the assistance they qualify for. When they're ready, they come to you.
What you get
A prepared file
Numbers tracked month by month toward a clear target: a 720 score, 31/43 debt-to-income, and the savings each home requires.
The assistance, worked ahead of time
Our technology doesn't just map which local and state plans fit each family. It does the work ahead of time, so the family arrives with the best possible qualification to apply for the help. Many local plans are a separate second mortgage next to your first.
Families who haven't found this help yet
By our own estimate, about 120,000 Florida families a year qualify for down payment help and buy without it. We reach them months before they look for a loan.
HMDA 2025 (University of Florida); Urban Institute and Down Payment Resource (2023); HUD, FHA Annual Report FY 2025.
Technology that gets ahead of the work
We don't stop at telling a family which help exists. Month by month, the platform does the work each plan needs before the application, so when the family reaches you it arrives with the best possible qualification to present its assistance, not a list of things still to do.
“With government assistance, the rate is higher and the loan pays less.”
First, we check whether the assistance is worth it
For each family we compare the loan with assistance and without it, in dollars.
If it isn't, the family buys anyway
It stays with us and buys with a regular loan from the same lender. The client isn't lost.
Many plans don't touch your rate
Many local plans are a separate second mortgage: your first mortgage stays yours, at your rate.
How our lender network works
Nothing flows back to us
We receive no fee, referral or payment of any kind from lenders, in any direction.
The family chooses
A family can bring its own lender, and we keep representing it.
Talk to us
Write to us and tell us your company, your NMLS number and the counties where you lend. A person answers.
The help already exists. Your effort earns it. We make sure it reaches you.
Your effort. Your home.