How We Make Money

How We Get Paid

First Home AI makes money in two main ways: flat partner fees from licensed mortgage lender partners and select affiliate commissions. If you request a free specialist review through our platform, we may receive a flat fee for platform services associated with processing that consumer-authorized introduction from the lender who receives your contact information. If you click certain recommended financial tools or products, we may earn a commission.

The short version: you do not pay us to use the assessment, you are never required to use our partners, and compensation does not change your Readiness Score, the specialists shown, their display order, or educational recommendations.

How Specialist Selection Works

When you reach the optional review question, we show available participating specialists who serve your area. If more than one is available, every eligible profile remains accessible and a neutral rotation changes only which profile is displayed first. You decide which named person, if anyone, receives your request.

The specialists shown are paid participating partners. Paid participation makes a specialist eligible to appear, but no eligible specialist can pay more to be shown ahead of another, hide another eligible profile, or change the neutral order.

Your Readiness Score, income, credit band, expected loan amount, DPA eligibility, loan path, or probability of closing do not determine which profiles are shown or their order. A new named survey request is delivered only to the person you selected. After the report is calculated, a request at or above our displayed readiness threshold may be connected directly. A request below that threshold is first shown only to the selected person as a privacy-protected summary; that person independently decides whether to accept the optional review. This fulfillment step does not change who you selected or send the request to another partner.

Other optional post-report review tools may first make a masked readiness summary available to eligible participating lenders. In that masked view, your last name, email, and phone are hidden, and partners may not contact or attempt to re-identify you. If one partner accepts that separately authorized request, we then share the contact information needed to follow up. We do not charge partners merely for viewing a masked opportunity.

Educational Use & FCRA Disclosure

First Home AI is an educational platform — not a lender, broker, or Consumer Reporting Agency (CRA) as defined by the Fair Credit Reporting Act (FCRA). We do not pull your credit report or make any determination of your creditworthiness.

Actual loan eligibility and terms are determined by licensed mortgage lenders based on a formal credit review, verified income documentation, and other underwriting factors. Always consult a licensed mortgage professional for definitive guidance.

Transparency & Compliance

First Home AI uses consumer-choice and anti-steering safeguards for partner introductions: named consumer authorization, transparent compensation disclosure, one selected recipient for each request, flat fees for documented platform services, equal access to available profiles, no pay-to-rank ordering, and no closing-based compensation.

These are operating safeguards, not a certification or guarantee that any particular arrangement satisfies every applicable legal requirement. First Home AI reviews its practices as the service and partner network evolve.

What First Home AI Is NOT

To be clear about our role, First Home AI is NOT:

• ❌ A mortgage lender or mortgage broker
• ❌ A real estate agent or real estate broker
• ❌ A financial advisor or credit counselor
• ❌ Affiliated with any government agency (HUD, TDHCA, TSAHC, etc.)

We provide educational assessments only. Our Readiness Score does not guarantee mortgage approval, loan terms, or eligibility for any specific program.

Affiliate Product Relationships

In addition to mortgage lender partners, First Home AI may earn commission from affiliate programs when you use our recommended resources:

Note: We only recommend products and services we believe provide genuine value to first-time homebuyers. Affiliate compensation does not influence your Readiness Score or our assessment methodology.

Compliance Audit & Monitoring

To support fair, compliance-oriented partner introductions, we review our lender routing and unlock behavior to verify:

• ✓ Partner compensation differences do not affect specialist visibility, neutral display order, or named-request delivery
• ✓ Profile eligibility and delivery safeguards are applied consistently to participating specialists
• ✓ Profile eligibility and neutral display rotation use location and availability, not financial answers or expected loan value
• ✓ Internal lead-value signals are not displayed to lenders or used for routing

We review profile eligibility, neutral display rotation, named-request delivery, and masked-request unlock behavior on an ongoing basis to verify these safeguards are maintained as our specialist network grows.

Questions About Our Disclosures?

If you have questions about our partner introductions, affiliate partnerships, or how we are compensated, please contact us: