Help more people become homeowners, with ReadyOwn
ReadyOwn is the Homeownership Council of America's free consumer program. It helps people get ready to buy, find down payment assistance and keep the homes they own. Lenders, CDFIs, housing counseling agencies and sponsors partner with ReadyOwn to reach buyers when they're ready for help.
One nonprofit program for every stage of ownership
ReadyOwn turns HCA's expertise in mortgage lending, compliance and affordable housing into free, mobile-first tools for homebuyers and homeowners. Its promise to consumers is simple: here to help you, not sell you.
DPA Locator
Live nowFree Lender listings that connect with consumers through the DPA Locator and ReadOwn Pathway phone app.
readyown.org/dpaReadyOwn Pathway
Coming soon to the App Store and Google PlayA guided app that helps first-time buyers get mortgage-ready, step by step, with short lessons, games and a homebuyer education certificate.
readyown.org/pathwayReadyOwn Onward
Coming soonA companion app for homeowners: maintaining a home, help through hardship, and planning ahead.
Built on trust, so partners can put their name next to ReadyOwn
Free for consumers. No fees to search, learn or connect.
No ads, no paid placement. Lenders can't pay to be listed or ranked.
Buyers choose who they hear from. Their information is shared only with the partners they pick.
Backed by a national nonprofit. HCA is a 501(c)(3) staffed by mortgage and nonprofit lending professionals.
Real help when it's needed. Buyers are referred to HUD-approved housing counselors.
Largest and most comprehensive database of programs. More down payment assistance programs than any other source, nationwide.
Quarterly program listing reviews and updates on funding availability. Listings are refreshed every quarter so partners always work from current data.
Built with the latest technology on secure SOC II compliant Azure web services. Enterprise-grade infrastructure keeps partner and consumer data protected.
Who we partner with
Lenders and banks
List the DPA programs you offer and receive connection requests from buyers who've completed their education and chosen to reach out.
CDFIs and HUD-approved housing counseling agencies
Reach more buyers in your community and receive requests from people looking for counseling or your lending programs.
Sponsors and funders
Support free tools for first-time and first-generation buyers, with your brand alongside a trusted nonprofit program.
Buyers reach out when they're ready
- 1
Register your organization
Register your organization with ReadyOwn and list your programs and service area.
- 2
Buyers learn and search
They work through Pathway and search the DPA Locator.
- 3
Buyers choose to connect
When they're ready, they pick the lenders or counseling agencies they want to hear from.
- 4
You receive their request
Including what they've chosen to share: education progress, the programs they're interested in and how to reach them.
Note for counseling agencies: the same registration lets HUD-approved housing counseling agencies receive requests from people asking for counseling.
[External] New Client Profile Ready
New Client Profile Ready
A homebuyer has shared their profile with your organization through ReadyOwn Pathway and is ready to be contacted.
The full profile, including contact preferences and financial details, is now available in your lender dashboard.
ReadyOwn is an initiative of the Homeownership Council of America, a 501(c)(3) nonprofit.
ReadyOwn under your brand
Offer Pathway and the DPA Locator with your logo, colors and domain, built on HCA's nonprofit platform. Launch in weeks instead of building from scratch.
Pathway, private label
The full homebuyer education app with your branding and your loan officers, lenders and counseling partners.
DPA Locator, private label
A branded down payment assistance search on your domain, which can be narrowed to the programs you work with.
Become the title sponsor of ReadyOwn Pathway
One exclusive title sponsorship is available ahead of Pathway's App Store and Google Play launch. Your brand appears alongside a trusted nonprofit program at the moment first-time and first-generation buyers start their journey.
Sponsorship never affects which lenders or programs buyers see.
Partner with ReadyOwn
Download the partnership guide for platform details, partnership models, data security and compliance, or talk with our team.
ReadyOwn is a free program of the Homeownership Council of America, a national nonprofit.