i.
Take the Assessment
Answer a few quick questions about your income, savings, and credit range. No login or credit pull required.
No credit check100% freeNot a lender
Find out if you qualify for first-time buyer programs. Free. 2 minutes.
No credit pull. No spam calls. Just honest answers about where you stand and what programs may be waiting for you.
See If I Qualify→
Takes about 2 minutes · No account needed
How it works
Three steps. No pressure. No commitments.
ii.
Get Your Plan
See which first-time buyer programs, down payment assistance, and loan types fit your situation.
iii.
Connect When Ready
No rush. When you're ready, connect with a vetted loan officer who specializes in first-time buyers.
2,000+
DPA programs nationwide
580
Minimum credit for FHA
$0
Cost to use AMLO
2 min
Assessment time
Real people, real results
Buyers who didn’t know they were ready.
“I had no idea I qualified for down payment assistance. AMLO broke everything down in a way that finally made sense.”
“I thought I needed 20% down and perfect credit. Turns out I was closer to buying than I thought.”
“No one tried to sell me anything. They just gave me real information and let me decide on my own timeline.”
Common Questions
The things you’re actually wondering.
Do I need a perfect credit score to qualify?
No. Many first-time buyer programs accept credit scores as low as 580. Some conventional programs start at 620. Your full financial picture matters more than a single number — income, savings, debt ratio, and employment all play a role.
Does this assessment pull my credit?
Absolutely not. The readiness assessment is completely free and does not affect your credit score in any way. It simply helps you understand where you stand and what programs may be available to you.
What is AMLO? Is it a lender?
AMLO is an independent mortgage education platform — not a lender. We teach you about homebuying, check your eligibility for programs, and connect you with vetted loan officers when you are ready. You never pay AMLO anything.
How long does the assessment take?
About 2 minutes. You will answer a few straightforward questions about your financial situation and goals, then receive a personalized breakdown of where you stand and what to do next.