Pre-Approval Partners

Turn Denials

Into Future Deals

Welcome to the Pre-Approval Partners program — a referral solution for buyers who aren’t mortgage-ready yet.

Instead of saying no, send them to us.

We help your clients hit the financial targets needed for pre-approval — and then send them back to you, ready to buy.

Support Every Buyer — Even the “Not Yet” Ones

When you meet clients who can’t qualify due to credit, savings, or debt-to-income challenges, you don’t have to lose the lead.

Refer them to us through Pre-Approval Partners.

We’ll get to work on improving their financial readiness with a personalized plan and consistent support.

Once they’ve met the requirements, we send them right back to you to complete their homebuying journey.

Tailored Coaching for

Mortgage Readiness

The Home Loan Pathway helps clients improve their credit, reduce debt, build savings, and reach the financial benchmarks required for pre-approval. Whether your borrower needs to increase their score, lower their DTI, or save for a down payment, we guide them every step of the way.

As part of our process, we invite you to send us the specific targets your client needs to meet — like a 640 credit score, $5,000 in savings, or a 43% DTI. We’ll use those benchmarks to build their plan and notify you the moment they’re ready to reapply.

Save Time. Close More Loans.

Keep the Relationship.

The Pre-Approval Partners program helps you turn away fewer clients and close more loans — without stretching your team. We serve clients nationwide and treat your referral like a long-term relationship, not just a transaction. And yes, we always send them back to you once they’re mortgage-ready.

You’ll also be added to our trusted lender network so we can refer motivated buyers in your area who are ready to take the next step.

FAQs

  • Pre-Approval Partners is a free referral program for mortgage loan officers who want to support clients who don’t yet qualify for a home loan. We work directly with referred clients to improve key areas like credit, savings, and debt-to-income ratio — so you can get them back in your pipeline when they’re ready.

  • Nothing. The Pre-Approval Partners program is 100% free for loan officers. There’s no fee to join and no commission structure — our priority is helping you close more deals by helping your clients become mortgage-ready.

  • Refer any potential buyers who want to purchase a home but currently don’t qualify due to credit challenges, low savings, high DTI, or lack of financial readiness. We’ll help them get on track — and keep the momentum going until they’re ready to return to you.

  • You’ll provide us with your client’s name, contact info, and (if possible) the qualifying targets they need to hit. We’ll reach out to them for a discovery call. If they move forward with coaching, we’ll work with them to hit the exact goals you’ve outlined.

  • We make every effort to guide clients back to their original lender when they’re ready to qualify. We understand the value of maintaining that trusted relationship, and we can help facilitate a smooth reintroduction, including a three-way email to reconnect you and the client.

    While we strongly encourage them to return to the lender who initially referred them, we also respect that the final choice lies with the client. Their decision might be influenced by personal preferences, location, or other factors.

    Our goal is to ensure they’re financially prepared for homeownership and to make sure you remain a trusted resource in their journey, even if the ultimate decision is in their hands.

  • With your client’s permission, we’ll keep you updated on their progress. That way, you’ll know when they’re close and can re-engage at the right time.

  • Yes — refer as many as you’d like. We’re here to help you keep your pipeline strong, even when a client isn’t ready today.

  • No. We are a financial coaching company. We don’t originate loans, offer lending products, or compete with loan officers in any way.

Important Note

We strongly encourage clients to return to their original lender once they’re ready to qualify.

However, we always respect the client’s right to choose the lender that best fits their needs.

Factors such as personal preferences, location, or other considerations may influence their choice.

Our mission is to support their journey and ensure they’re ready for the next step, wherever that may lead.