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 review 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, lender match, or educational recommendations.

How Lender Matching Works

When you request a free specialist review, we connect you with one licensed partner at a time based on objective criteria that prioritize readiness fit and partner coverage:

If your Readiness Score is below the normal routing floor, a partner may first review a masked readiness summary to decide whether they can offer a helpful free review. Your last name, email, and phone stay hidden until one licensed partner accepts the request. Partners may not contact you or attempt to re-identify you from a masked summary before that unlock. We do not charge partners for merely viewing masked opportunities.

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 structures partner introductions around RESPA compliance principles: consumer authorization, transparent compensation disclosure, one partner at a time, flat fees for platform services actually performed, no pay-to-rank routing, and no closing-based compensation.

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:

• ✓ No correlation between differentiated partner fees and match frequency
• ✓ Matching criteria applied uniformly to all lenders
• ✓ Routing uses readiness, coverage, and rotation rules, not expected loan value
• ✓ Internal lead-value signals are not displayed to lenders or used for routing

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 partner introductions, affiliate partnerships, or how we are compensated, please contact us: