Our Story
To create an equitable, seamless, fully transparent home buying process with the consumer coming first , always
To help 1 Million people to buy their first home.
Be in control in the largest financial transaction of your life with our AI-Powered Mortgage Advisor
You’ve probably heard of a mortgage broker or a loan officer, but what the heck is an AI Powered Mortgage Advisor and, more importantly, why do you need one? To answer that question we have to go back to the subprime mortgage crisis and all the things that were uncovered as the economy recovered.
Since the process of applying for a mortgage hasn’t changed and prices have skyrocketed, Steven recognized that borrowers need a more effective way to navigate the process. That’s why he wanted to create Home Lending Pal and Kev, the first AI powered mortgage advisor. Through his personal network he met Bryan, our CEO, and they began working on the first iteration of the platform. Now, three years later Home Lending Pal is a reality.

Personalized Mortgage Advice
Home Lending Pal gives you access to the same information that underwriters use to evaluate your loan application. In 10 mins you can review your Experian credit score and your verifiable assets and income. After completing a short assessment a new visitor can shop for homes on the site and see:
- Find government grants, credit assistance, and down payment assistance
- Pair with lenders with special programs to help you buy
- Understand your buying power and what impacts it
- Track progress and earn rewards cash at closing time
We know there are already platforms that let you shop for a loan and those platforms all have great rates. There are a couple of things you should know about them. First, those rates are great if you have an 800 FICO score and a 6-figure income. If you don’t, then your rate and loan terms will be vastly different. Second, those platforms are for lead generation. As soon as you enter your information the lenders race to call you because the first person who talks to you will most likely close the loan.


Kev is Here to Help!
If you aren’t ready to apply for a mortgage, or you can’t get approved for the loan you need to buy the home you want, Kev is there to help. Kev is an AI-powered chatbot that will answer your questions about the process and give you a plan to improve your finances. No pressure, we promise. Instead of asking friends or spending hours online, you have a single source of advice that is personalized for your financial situation.
When you are ready, HLP will match you to lenders who specialize in your situation. For example if you have a lot of student debt, especially relative to your income, big banks won’t underwrite your loan but there are regional banks that will take great care of you. We’ll match you to those banks and let you two take it from there. And when you talk to a lender you are prepared with all the information to be confident as you go through the process.
Algorithms have worked to get you to spend more money, they show you content on social media platforms and they recommend movies to watch. Isn’t it time that they help you make the biggest financial decision of your life?