Got it. You’ll hear back within 24 hours.
Your information has been received by the AMLO network. A licensed loan officer will follow up with you — typically within a few hours during business days. No spam. No pressure. Just a real conversation about your options.
What Happens Next
Here is what to expect now that your submission is in.
A loan officer reviews your info
Your submission gets routed to a licensed loan officer in the AMLO network who serves your state and understands the programs that fit your profile.
Within hours (during business days)You will get a personal follow-up
Expect a phone call, email, or text (based on your preference) from a real person — not a bot, not a call center. They will introduce themselves and ask a few questions to understand your goals.
Within 24 hoursYou explore your options together
The loan officer will walk you through what you may qualify for, run numbers on different scenarios, and answer any questions. No obligation. No commitment. Just information.
At your paceWhile You Wait — Make the Most of Your Time
Knowledge is leverage. The more you understand about the mortgage process before your first conversation with a loan officer, the better questions you will ask and the smarter decisions you will make.
Take the Readiness Assessment
A quick, no-credit-pull quiz that helps you understand where you stand and which programs may be a fit.
Start Assessment →Understand Your Credit Score
Learn how mortgage lenders view your credit — it is different from what you see on free apps.
Read Credit Guide →Explore First-Time Buyer Programs
Compare FHA, Conventional 97, VA, USDA, and state-level down payment assistance programs.
View Programs →Use the Mortgage Tools
Run the numbers yourself. Payment calculators, affordability tools, and a DPA finder for your state.
Open Tools →Learn About Lender Credits
Understand how trading a slightly higher rate for lower closing costs could work in your favor.
Read Guide →Meet the Team
See who is behind AMLO and why this platform exists. Spoiler: it started with a real problem.
Meet the Team →Prepare for Your Conversation
When the loan officer reaches out, you do not need to have everything figured out. But if you want to hit the ground running, here are some things that help to have handy.
No pressure. If the loan officer reaches out and you are not ready, just say so. A good loan officer will work on your timeline — not theirs. And if you have questions before the call, you can always browse the education library.
Common Questions After Submitting
Who will contact me?
A licensed loan officer from the AMLO network who serves your state. They are a real person — not a bot or a sales team. You will know their name, license number, and company.
Will this affect my credit score?
No. Submitting a form on AMLO does not pull your credit. A credit check only happens later, if and when you decide to formally apply for a mortgage with a loan officer. That step is always your choice.
What if I change my mind?
No problem at all. There is no obligation. If you decide you are not ready or want to go in a different direction, just let the loan officer know. No hard feelings, no follow-up pressure.
How long does the mortgage process take?
From application to closing, typically 30-45 days for a purchase. But the pre-approval stage — which is where you start — can be done in a day or two. The conversation you are about to have is step one.
Can I submit for someone else?
We recommend having the person who will be on the mortgage reach out directly. The loan officer will need to speak with them about their specific financial situation, and privacy regulations limit what can be shared with third parties.
Want to Get a Head Start?
Take the readiness assessment while you wait. It gives you a clearer picture of where you stand — and gives your loan officer a head start on finding the right programs for you.
Your message is in — the next move is ours.
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.
AMLO is an educational platform and does not originate, fund, or service mortgage loans. AMLO is not a lender, broker, or bank. By submitting your information, you consent to being contacted by a licensed loan officer in the AMLO network. Response times may vary. No credit check is performed as part of this submission. Information provided is for educational purposes only and does not constitute financial advice. Equal Housing Opportunity.