Most websites in this space make money by selling your phone number to a bunch of lenders. You fill out a form and suddenly your phone is ringing off the hook. That is not how we work.
Our money comes from lenders who pay a flat monthly fee to be listed on our site — not from your data, not from kickbacks, and not from your loan closing. Here is exactly how it works.
Lenders Pay Us to Be Listed
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.
Dealers Pay to Use Our Tools
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
You Can Pay for Extra Help (If You Want)
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.
If We Ever Become a Broker
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 phone number or email to anyone
- Get paid when your loan closes
- Let lenders pay to show up first in your results
- Have secret deals with any lender
- Share your personal info with advertisers
- Take a cut of your loan
✓ We Always
- Tell you every way we make money on this page
- Charge lenders the same fee no matter what happens
- Show you results based on YOUR situation, not who pays us
- Let you stop hearing from us any time
- Label anything that is sponsored or paid for
- Tell you about any fees before you agree to anything
RESPA Compliance
There is a federal law called RESPA (Section 8 of the Real Estate Settlement Procedures Act) that says companies like us cannot take kickbacks or get paid based on which lender you pick. Our flat monthly fees follow this law. We are happy to answer any questions about this — just email us at compliance@homeclarity.house.