Let's Get Families Into Homes Together.
AMLO partners with HUD-approved housing counseling agencies to create a clear path from education to homeownership. You prepare families. We connect them with loan officers who know how to use every program available.
A Reciprocal Referral Model That Actually Works
Most HUD counseling agencies face the same challenge: you prepare families for homeownership, but once they are ready for a mortgage, the handoff is uncertain. Some clients end up with loan officers who do not understand DPA programs. Others get lost in the gap between counseling and closing.
AMLO solves this with a reciprocal referral model. When your clients are mortgage-ready, we connect them with loan officers who specialize in the programs your clients need. When AMLO visitors are not yet ready, we send them to your agency for counseling.
The result: more clients for your agency, better outcomes for families, and a clear pipeline from education to homeownership.
How the Partnership Works
Agency Refers Counseled Client to AMLO
When a counseled buyer has completed homebuyer education and is ready for financing, the agency refers them to the AMLO network. Referrals can come via the AMLO platform, a shared intake form, or direct contact with an assigned AMLO loan officer.
AMLO LO Connects Within 24 Hours
A licensed loan officer in the AMLO network contacts the referred client within one business day, reviews their counseling certificate, and begins the pre-qualification process.
Program Matching and Application
The loan officer matches the buyer with appropriate DPA programs (leveraging the counseling certificate), structures the loan, and guides the client through application and underwriting.
AMLO Refers Visitors to Agency Counseling
Visitors to the AMLO platform who are not yet mortgage-ready are referred to partner HUD counseling agencies for education, credit coaching, and budget planning. This creates a pipeline of better-prepared future buyers for your agency.
What AMLO Network Loan Officers Bring to Your Clients
DPA Program Expertise
Loan officers in the AMLO network are trained to work with every major DPA program in their licensed states — PHFA, OHFA, IHCDA, SC Housing, NCHFA, and MSHDA. When a counseled buyer is ready, they connect with someone who knows exactly which programs fit.
Credit-Sensitive Underwriting
AMLO network loan officers work with buyers at all credit levels, including FHA borrowers at 580+. They understand the challenges your clients face and structure loans accordingly.
Single Point of Contact
Your client will never be sold to a lead aggregator or blasted by multiple lenders. One loan officer. One relationship. That is the AMLO commitment.
Responsive Communication
AMLO network loan officers commit to responding to referred clients within 24 hours and keeping referring agencies updated on milestone progress throughout the transaction.
AMLO as a Shared Resource
AMLO is more than a lending network. The platform includes free educational resources that partner agencies can share with their clients:
- Readiness Assessment — A free tool that helps clients understand where they stand before counseling begins
- Credit Guide — Educational content on building and improving credit scores
- DTI Calculator — Helps clients understand debt-to-income ratios before their first counseling session
- First-Time Programs Guide — State-by-state DPA program breakdown that supplements your counseling materials
- Mortgage 101 — Plain-language education on loan types, processes, and terminology
These resources are free for anyone. Partner agencies can link to them from their own websites, share them in counseling sessions, or include them in follow-up materials.
Communication Protocol
Transparency matters. When you refer a client to the AMLO network, you should know what happens next. Here is our commitment:
- Initial contact with referred client within 24 hours
- Acknowledgment to referring agency within 48 hours
- Status update to agency at pre-approval milestone
- Status update to agency at clear-to-close milestone
- Post-closing confirmation shared with agency for tracking
- Monthly summary report for agencies with regular referral volume
- Dedicated AMLO point of contact for each partner agency
Start the Partnership Conversation
If you are a HUD-approved housing counseling agency and want to explore a referral partnership with AMLO, we would like to hear from you.
Agency Partnership Inquiry
This form is a placeholder. Partnership inquiries will be routed to the AMLO team for follow-up within 2 business days.
AMLO is an independent education platform and does not originate, fund, or service mortgage loans. Partnership inquiries are responded to within 2 business days. Aaron Gibson NMLS# 2389256. United Purpose Mortgage NMLS# 2555397. Equal Housing Opportunity.
You've seen the HUD-approved partners — real agencies, real help, no upsell.
Next up: When you're ready, the lender comes later.
You've walked the whole method. When you're ready to talk to a human, a vetted loan officer is standing by.