Search AMLO

Find what you need.

Search across all tools, calculators, guides, city market data, and mortgage education. If AMLO covers it, it’s here.

Type anything.

Tools, guides, city pages, loan programs, calculators — all of it is indexed and searchable. Try a topic, a question, or even a city name.

Browse by Category

Tool17 items

Three Pillars Assessment

Score your Income, Credit, and Assets readiness. See exactly where you stand and what to strengthen before applying.

Affordability Calculator

Estimate how much house you can afford based on your income, debts, and down payment.

Home Value Estimator

Estimate your home's value and see how much buying power you have based on your financial profile.

DPA Eligibility Checker

Find down payment assistance programs by state, city, income, and buyer status. 67 programs across 7 cities.

Loan Program Finder

Match your borrower profile to FHA, VA, USDA, Conventional, or Non-QM loan programs.

Down Payment Calculator

Calculate your down payment and closing costs for different loan types and price points.

Credit ReadyScore

Assess your credit readiness and get personalized improvement recommendations.

Credit Impact Simulator

See how different actions affect your credit score — paying off debt, new accounts, utilization changes.

DTI Calculator

Calculate your front-end and back-end debt-to-income ratios to see what you qualify for.

Rent vs Buy Calculator

Compare the true cost of renting vs buying over 5, 10, or 15 years. See equity buildup and break-even points.

Budget Builder

Build a homebuyer budget that accounts for all the costs of ownership — not just the mortgage payment.

Buydown Calculator

See how a 2-1 or 1-0 buydown lowers your initial payments and calculate the cost vs savings.

Break-Even Calculator

Calculate when buying beats renting based on your numbers — your personal break-even timeline.

Loan Comparison Tool

Compare two loan options side by side — different rates, terms, or loan types.

LLPA Pricing Tool

See how loan-level price adjustments affect your rate based on credit score, LTV, and loan type.

HELOC Calculator

Estimate your available home equity line of credit based on your home value and current mortgage balance.

Community DPA Map

Interactive map of community-based down payment assistance programs across AMLO service areas.

Guide22 items

Mortgage 101

Complete beginner's guide to mortgages — how they work, what to expect, and how to prepare.

Credit Guide

How credit scores work, what lenders look for, and how to improve your score before applying.

DTI Guide

Understanding debt-to-income ratios — how they're calculated, what limits apply, and how to lower yours.

Self-Employed Mortgage Guide

Mortgage qualification for self-employed borrowers — tax returns, bank statements, and income calculation.

VA Loans Guide

Everything about VA loan benefits — 0% down, no PMI, eligibility requirements, and funding fee details.

FHA Loans Guide

FHA loan programs, credit requirements, MIP costs, and when FHA makes sense vs conventional.

First-Time Homebuyer Programs

All first-time buyer programs — FHA, state programs, DPA grants, and tax credits available to new buyers.

Closing Costs Guide

What closing costs to expect, how much they are, and strategies to reduce or get them covered.

Homebuying Process

Step-by-step guide through the entire homebuying process from pre-approval to closing day.

Home Inspection Guide

What to expect from a home inspection, what inspectors look for, and how to handle issues.

Title Insurance Guide

What title insurance covers, why you need it, and the difference between owner's and lender's policies.

Rate Lock Strategy

When to lock your mortgage rate, how rate locks work, and float-down options.

Lender Credits Guide

How lender credits work, when to take them, and how they reduce your closing costs.

Mortgage Recast Guide

How mortgage recasting works — make a lump sum payment to lower your monthly payment without refinancing.

Home Equity Guide

Understanding home equity — how it builds, how to access it, and smart ways to use it.

HUD Counseling

Free HUD-approved housing counseling agencies — credit counseling, homebuyer education, and foreclosure prevention.

Post-Closing Guide

What to do after closing — first payment, escrow, property taxes, homeowner responsibilities.

Investor Guide

Real estate investing education — house hacking, DSCR loans, rental properties, and building a portfolio.

DSCR Loans

Debt Service Coverage Ratio loans for investors — qualify based on rental income, not personal income.

Strengthen Your Credit

30/60/90 day action plan to improve your credit score and qualify for better mortgage rates.

Strengthen Your Income

Strategies to improve your income pillar — lower DTI, increase qualifying income, and boost buying power.

Strengthen Your Assets

Build your assets pillar — DPA programs, savings strategies, gift fund rules, and closing cost coverage.

Learn12 items

Learn Center

All AMLO education content in one place — guides, courses, and resources for every stage of homebuying.

Budgeting for a Home

How to budget for homeownership — what to save, what to expect, and how to plan your finances.

Down Payment Guide

Everything about down payments — how much you need, where to get help, and minimum requirements by loan type.

First-Time Buyer Guide

Complete guide for first-time homebuyers — programs, preparation, and the step-by-step process.

Loan Types Explained

Compare FHA, VA, USDA, Conventional, and Non-QM loans — who qualifies, pros and cons of each.

Steps to Homeownership

The homebuying roadmap — from deciding to buy through closing day and beyond.

Refinancing Guide

When to refinance, how it works, and whether it makes financial sense for your situation.

HELOC Education

Understanding HELOCs — how they work, when to use them, and how they compare to cash-out refinancing.

Homeowners Insurance

What homeowners insurance covers, how much it costs, and what your lender requires.

Rehab Loans

FHA 203(k), Fannie Mae HomeStyle, and other renovation loan options for fixer-uppers.

Debt Consolidation

How debt consolidation affects mortgage qualification and strategies for managing debt before buying.

Masterclass

In-depth mortgage education — advanced topics for serious buyers and real estate investors.

City Guide7 items

Pittsburgh Homebuying Guide

Pittsburgh neighborhoods, market data, and 15 down payment assistance programs available to Pittsburgh buyers.

Philadelphia Homebuying Guide

Philadelphia neighborhoods, market data, and 12 down payment assistance programs available to Philadelphia buyers.

Cleveland Homebuying Guide

Cleveland neighborhoods, market data, and 9 down payment assistance programs for Cleveland buyers.

Columbus Homebuying Guide

Columbus neighborhoods, market data, and 7 down payment assistance programs for Columbus buyers.

Indianapolis Homebuying Guide

Indianapolis neighborhoods, market data, and 6 down payment assistance programs for Indy buyers.

Charlotte Homebuying Guide

Charlotte neighborhoods, market data, and 8 down payment assistance programs. Up to $95K in stacked DPA.

Detroit Homebuying Guide

Detroit neighborhoods, market data, and 10 down payment assistance programs for Detroit buyers.

Resource6 items

Resources Hub

Downloadable guides, checklists, and templates for your homebuying journey.

Budget Plan Template

Free budget planning template — track income, expenses, and savings goals for homebuying.

Credit Improvement Plan

Step-by-step credit improvement plan with 30/60/90 day action items.

DPA Guide

Comprehensive down payment assistance guide — state programs, city programs, and how to stack them.

Refinance Calculator Guide

Guide to calculating whether refinancing makes sense for your situation.

Homebuyer Starter Kit

Everything a first-time buyer needs — checklists, timelines, and essential documents list.

Ask the AI. Or book a free conversation.

The AMLO AI can answer any mortgage question in real time. Or if you’re ready to look at your actual numbers, a vetted loan officer can walk through them with you — no cost, no obligation.

Ask the AI→Book a Consultation