How We Make Money

How We Get Paid

FirstHomeAI makes money in two main ways: mortgage lender referral fees and select affiliate commissions. If you choose to connect with a lender through our platform, we may receive a per-lead fee from that lender. 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.

Important Facts:

You are NOT required to use our partner lenders
You are free to shop for and compare any lenders you choose
This compensation does not increase your loan costs or interest rates
Your Readiness Score is not affected by referral compensation
We match you with lenders based on your profile and loan needs, not by who pays us more

How Lender Matching Works

We connect you with lenders based on objective criteria that prioritize your needs and likelihood of approval:

Matching Criteria:

1
Loan Product Compatibility
FHA, Conventional, VA, USDA eligibility based on your credit and financial profile
2
Lender Quality Metrics
Customer reviews, approval rates, and average closing times
3
Geographic Service Area
Lenders who actively serve your Texas county
4
Specialization Focus
Expertise in first-time homebuyers and Texas DPA programs

What We Do NOT Use to Determine Your Match:

Per-lead fee amounts — all active lenders pay the same rate
Lender tier or subscription level — tier affects the notification speed a lender receives as part of their platform subscription, not which lender is matched to you
Volume-based bonuses or incentives

Educational Use & FCRA Disclosure

Important: Not a Credit Decision

The FirstHomeAI Readiness Score is an educational tool only. It is not a credit score, a credit report, a credit decision, or a pre-approval for any loan or mortgage product. It is not prepared, reviewed, or endorsed by any credit bureau.

FirstHomeAI 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.

What Our Readiness Score Is:

A self-reported educational estimate of your home-buying readiness
Based solely on information you provide (income, savings, credit range, etc.)
Intended to help you understand your approximate readiness and next steps
Subject to change based on actual verified financial data at time of loan application

What Our Readiness Score Is NOT:

A FICO® score or any other credit score
A guarantee of mortgage approval or specific loan terms
Regulated under the FCRA
A substitute for a formal mortgage pre-qualification or pre-approval from a licensed lender

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

FirstHomeAI is committed to transparency and compliance with federal consumer protection laws, including the Real Estate Settlement Procedures Act (RESPA).

Your Rights Under RESPA:

Shop for and select any mortgage lender you choose
Understand our referral relationships and how we are compensated
Know that referral fees do not affect your loan costs
Receive unbiased recommendations based on your needs

What FirstHomeAI Is NOT

To be clear about our role, FirstHomeAI 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, FirstHomeAI may earn commission from affiliate programs when you use our recommended resources:

Credit Monitoring Services

We may earn referral fees from credit monitoring services like WalletHub when you sign up through our links.

Banking & Financial Products

We may earn fees from bank accounts, credit cards, or savings products recommended in your personalized insights.

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 ensure our lender matching algorithm remains unbiased and compliant with RESPA, we conduct quarterly audits that verify:

✓ No correlation between referral fees and match frequency
✓ Matching criteria applied uniformly to all lenders
✓ Algorithm prioritizes user value, not compensation

We review our matching algorithm on an ongoing basis to verify these standards are maintained as our lender network grows.

Questions About Our Disclosures?

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

FirstHomeAI, LLC
Email: support@firsthome.ai

For Referral Questions: Subject Line "Referral Question"