The Process
With Home Lending Pal, you can automate finding special-purpose credit programs, down payment assistance, and government grants, prepare your finances and select a lender all in one place. It’s a seamless shopping experience without any embarrassment and emphasizes the fair treatment of helping everyone become a homeowner.
Explore at Your Pace.
Become a member
Let Your Voice Be Heard
Start by downloading our free app to become a member. Answer some survey questions, access your free credit report and connect your banking information.
Get Paid to Engage.
A little cash never hurt nobody
Lenders, non-profit organizations, and philanthropic funds have joined forces with HLP to strengthen their mission of rewarding you for exploring your homeownership options. Up to $3,000 towards closing costs or a down payment can be earned! So become a member, interact with the app, and get that free money.
Tik-Tok Style Home Search.
Find a home that fits your budget
It was all a dream! Search and compare homes within your budget or homes you dream of owning one day. Our artificial intelligence, Kev, will scan your profile to automatically find down payment and credit assistance programs you qualify for too!
Progress Feels the Best.
Set your home goal and track your progress
Connect your financial and credit information from verified sources that lenders use like Experian or Plaid to track changes in your buying power over time.
Personalized Credit Education.
Free credit check
No need to feel embarrassed or unsure. 90% of lenders use FICO® Scores when they evaluate a loan application, and we’re the only non-lender that can show FICO® Scores for free thanks to an exclusive partnership with Experian. Get your free FICO® report to see what you need to do to improve your score.
The Balance America Initiative.
Finding lenders to work with
Kev loves housewarmings and borrower empowerment, so we built the Balance America initiative. As you provide your information and search in peace, our products help lenders better understand how best to work with you. Then, when you are ready to be pre-approved, connect to one of our lending partners that voluntarily let us monitor all decisions on their side to help ensure fairness for all!
On Your Side
We reviewed more than one hundred million mortgage transactions to prepare our recommendations. Our fairness algorithms are on your side.
“Extremely interesting and super…
Extremely interesting and super helpful. Some of the tools they had saved me some time, but the most interesting/helpful part is helping me find the best rates and lenders without having to bombard my credit. ”
-KK
