Most websites in the mortgage and housing space make money by selling your contact information to lenders — sometimes dozens of them at once. You submit a form and your phone starts ringing from people you never asked to hear from.
Home Clarity works differently. Our revenue comes from lenders and dealers who pay a flat monthly fee for platform access — not from your data, not from referral kickbacks, and not from commissions on your loan. This page explains every dollar of how the platform is funded.
Lender Platform Listing Fees
Our primary revenue source — flat monthly fees for platform presence
What lenders receive for this fee
- A profile page describing their loan products, eligibility criteria, and contact information
- Visibility in Loan Navigator results when their products match a borrower's profile
- Access to aggregate (never individual) platform analytics
- Listing does not guarantee any specific number of borrower inquiries
⚖️ Critical distinction: This fee is the same whether a lender receives zero borrower inquiries or five hundred. It does not change based on how many loans close. This is what keeps it RESPA-compliant and keeps us independent.
Dealer Portal SaaS
Flat monthly software fee for manufactured home dealers
What dealers receive
- Access to Home Clarity's borrower education tools, embedded on their own website
- Buyers who are better informed and better prepared before they walk in the door
- No exclusive referral relationship — dealers do not control which lenders are shown to their buyers
Educational Consultations
Direct-pay sessions for borrowers who want personalized guidance
These sessions are educational. We help you understand your options and prepare your application — we do not originate loans, take loan applications, or receive compensation from lenders for referrals made during these sessions.
Mortgage Broker Origination Fees
Disclosed at application — only when you choose to work with us as your broker
Once our team holds active Florida MLO licenses, Home Clarity may offer to act as your mortgage broker — meaning we handle the loan application and submission process on your behalf. If you choose this service:
A broker origination fee of approximately 1–2% of the loan amount will be disclosed to you in writing in the Loan Estimate before you proceed. You are never required to use Home Clarity as your broker. You can use any licensed lender directly at any time — including lenders listed on this platform.
What We Never Do — And What We Always Do
❌ We Never
- Sell your contact information to lenders or third parties
- Receive per-lead or per-loan fees from any lender
- Accept payment to boost a lender's match score in the Navigator
- Have undisclosed financial relationships with any lender we list
- Share your personally identifiable information with advertisers
- Receive commission or compensation if your loan closes
✓ We Always
- Disclose every revenue source on this page
- Charge lenders flat fees independent of borrower outcomes
- Base Loan Navigator results on your profile, not lender payments
- Give you the right to opt out of all communications at any time
- Disclose any co-marketing or sponsored content clearly as such
- Disclose origination fees in writing before you proceed
RESPA Compliance
Home Clarity's lender fee structure is designed to comply with Section 8 of the Real Estate Settlement Procedures Act (RESPA), which prohibits kickbacks and fee-splitting in real estate settlement services. Our flat monthly platform fees are for legitimate platform services — not for referring borrowers to specific lenders. Our lender partner agreements have been reviewed by legal counsel to ensure compliance. If you have questions about our fee structure, email us at compliance@homeclarity.house.
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