Turning stuck clients into homeowners.
Client Resources
Where Files Get Stuck
Each one is a full walkthrough: what the rules actually say, how the agencies differ, and the questions to ask before you commit to a client.
Down Payment Assistance
Helps eligible homebuyers reduce their upfront costs through grants, forgivable loans, or other assistance programs.
Student Loan Help
Identifies mortgage programs and repayment strategies that can improve affordability for buyers with student loan debt.
Credit Help
Provides guidance and resources to improve credit scores and strengthen mortgage eligibility.
HUD Counseling
Connects buyers with HUD-approved counselors who offer unbiased education and personalized guidance throughout the homebuying process.
Tools
Misc MLO Tools
Free, no sign-up, nothing to install. Both run in the browser.
Mortgage Calculator
Full PITI across Conventional, FHA, VA and USDA, with taxes, insurance, HOA and PMI/MIP handled per program. Seeded with the live Freddie Mac weekly rate.
Open House & DPA Flyer Builder
Property photos, address, description and a side-by-side financing matrix for up to four loan options. Compare mortgage programs and DPA options. Then, export a print-ready PDF.
Articles
From the Desk
Short pieces on the scenarios that come up most.
About
Who Is Behind C2H?
Made by an Originator, Not a Marketing Department
Clients2Homeowners.com is a site for loan originators built by a loan originator.
Pam Marron has originated residential mortgages for 41 years. She's worked through unique challenges over much of her career... tackling mortgage credit through the housing crisis, finding better solutions for clients with massive student loan debt who still want to buy a home, and mastering down payment assistance, probably the highest need for clients at present.
But Marron has often said that collaborating with mortgage industry colleagues has been the key to growth throughout her mortgage originating career, and this is what inspired Clients2Homeowners.com. Through career-long connections with other loan originators, underwriters and account executives, and from 2016-2019 as a member of the HUD Housing Counseling Federal Advisory Committee that resulted in an awareness of the work of HUD Counselors and what they can do to assist clients not yet ready for a mortgage, Marron resolved to make a web platform that houses solutions for mortgage challenges that prevent loan originators from originating more.
Your collaboration on mortgage industry solutions is welcome here!