HomePrep for MLO's

 MLO's & Their Challenged Clients Connect with HUD Counselors

Who Get Them Mortgage Ready!

Steps to HomePrep

Loan originators and their clients can now connect to HUD counselors that will work with your clients to get them mortgage ready!


Whether your client needs help with credit, down payment assistance, a lowered student loan repayment plan, budgeting help, homebuyer Education and much more, HUD counselors follow-up your client until they have met their mortgage-ready goal. Then, they let you, the loan originator know your client is ready!

Why Most Loan Originators Don’t Help Clients Who Need Assistance

The Dilemma

Mortgage loan originators (MLOs) are in the business of closing loans—not fixing credit, resolving financial challenges, or guiding clients through complex homeownership hurdles. While many MLOs want to help, they often don’t because:


🔹 Lack of Time – MLOs work on commission, meaning their income depends on closing loans. Spending hours helping clients who aren’t mortgage-ready takes time away from qualified borrowers.


🔹 Limited Resources – Most MLOs don’t have a go-to solution for clients with poor credit, high debt, or homeownership inexperience. Without a clear next step, they simply move on.


🔹 No Follow-Up System – Even if an MLO refers a client to outside help, there’s no guarantee they’ll ever hear back when that client becomes mortgage-ready—leading to missed opportunities.


This is where HomePrep changes the game. It seamlessly connects MLOs and their clients to trusted HUD-approved counselors and credit experts who help clients overcome obstacles. Best of all, MLOs receive automatic updates when a client is ready to buy, ensuring they don’t lose potential business.


With HomePrep, MLOs can help more clients—without sacrificing your pipeline!

Russell Graves explains  HomePrep services

Russell Graves, HUD Counseling Agency (HCA) NFDM.org Exec. Dir., HUD certified housing counselor, and past loan originator, explains specific services of HomePrep, the technlogy platform that connects mortgage loan originators with clients seeking mortgage-readiness to HUD housing and credit counselors who can get them ready.

7 Client Services Offered by HUD Counselors through HomePrep

MLO's and HUD Counselors worked hand in hand to discover the top issues that prevent clients from getting a mortgage. Then they found the services that could fix them. Those issues and vetted services became the model for the HomePrep technology platform and are listed below.

Student Loan Repayment

Federal student loan repayment plans through Student Debt Solutions (SDS). No cost to check repayment plans available.

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DPA Availability

Down payment assistance available in all 50 states utilizing HUD Counselors who use Down Payment Connect.

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Credit: short and long term

Both short term (1-6 mos) and long term (7mos to 5 yrs) credit help using CreditXpert tools and more.

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Homebuyer Education

Homebuyer education needed for down payment assistance and specific grants.

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Budgeting for a Home

A family budget allows you to see how much money you have, how much money you have left over, and how much you can put towards a mortgage.

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Freddie Mac AUS Run

For HUD counselors to use, works with a soft credit pull, and for conventional Affordable mortgages.



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6 Mo's Post-Mortgage Counseling

For clients in HomePrep, For the first six months after closing, a HUD counselor will regularly check in to ensure you’re comfortably managing your mortgage payments and provide any necessary support.

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3 Ways to Submit Client Information into HomePrep

After MLO's have signed up with HomePrep, you can submit client files into the RxOffice CMS 3 different ways. Once you've clicked on the New Case icon on the left, on the top left of page select:

  1. New Case (manual) 
  2. Import MISMO(v3.4)
  3. Import Cases (multiple cases at once, same directions as MISMO(v3.4))





HomePrep Testimonial

My wife and I met with Matthew with National Foundation for Debt Management (NFDM.org) on Thursdays once a week like clockwork. We would learn in detail how to fix our credit. He would set attainable goals that you can reach and feel better about yourself that you are accomplishing something even if it's small. We learned everything has a positive outcome with Matthew. He paid so much attention to detail and you felt you were really listened to and valued and never judged… your question was answered with respect. Matthew helped us achieve our life goal at 50 years old of owning a home for the first time in our lives. 


Please tell Mathew we miss him and without him, none of this would ever have been possible. 



- Chris and Valorie, clients of HomePrep

Interested in HomePrep? Contact Us to find out more!

HomePrep is the MLO resource to get clients with issues that need to be fixed connected to HUD counselors who can get them mortgage-ready. Contact us to get your demo today!