FirstHomeAI may receive compensation from mortgage lender partners when you choose to connect with them through our platform. This compensation helps us provide free homeownership readiness assessments to all users.
We connect you with lenders based on objective criteria that prioritize your needs and likelihood of approval:
FHA, Conventional, VA, USDA eligibility based on your credit and financial profile
Customer reviews, approval rates, and average closing times
Lenders who actively serve your Texas county
Expertise in first-time homebuyers and Texas DPA programs
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.
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.
FirstHomeAI is committed to transparency and compliance with federal consumer protection laws, including the Real Estate Settlement Procedures Act (RESPA).
To be clear about our role, FirstHomeAI is NOT:
We provide educational assessments only. Our Readiness Score does not guarantee mortgage approval, loan terms, or eligibility for any specific program.
In addition to mortgage lender partners, FirstHomeAI may earn commission from affiliate programs when you use our recommended resources:
We may earn referral fees from credit monitoring services like WalletHub when you sign up through our links.
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.
To ensure our lender matching algorithm remains unbiased and compliant with RESPA, we conduct quarterly audits that verify:
Last Audit: April 4, 2026
Next Audit: Quarterly
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"