The Story

About Clients2Homeowners.com

Founded in 2020 by loan originator Pam Marron, Clients2Homeowners.com was created to bridge the gap between Mortgage Loan Originators (MLOs) and homebuyers with challenges preventing them from getting a mortgage. Education was needed and started with down payment assistance,  but other barriers such as credit challenges, student loan debt, and budgeting concerns—issues that often delay or prevent mortgage approval, were quickly added.

Recognizing the need for awareness of resources that could help and education on how to use them, Clients2Homeowners.com quickly expanded to promote services based on ease of use, ability to provide needed benefits quickly, and if a cost, a reasonable cost.

Partnering with HomePrep

Three years ago, Clients 2 Homeowners partnered with HomePrep, an IT platform designed by Indisoft to connect loan originators and their clients with HUD-certified housing and credit counselors. Initially the idea was to bring awareness and education of needed services to MLOs to use to assist clients. However, based on feedback from MLOs, a majority prefer referring clients to a resource that can handle client challenges with the client directly. HomePrep offered that connection to HUD counselors with Consumer Credit and Budget Counseling

D/B/A National Foundation for Debt Management,  who understand specific client challenges and the needs of MLOs and their clients to get mortgage-ready. 

Through this HomePrep collaboration, homebuyers receive personalized financial coaching from HUD counselors to overcome obstacles preventing a mortgage that includes:

1. Student Loan Repayment Plans & Default Resolution
2. Down payment assistance
3. Short and long-term credit help (Not credit repair!)
4. Budgeting assistance
5. Homebuyer education courses
6. Freddie Mac Automated Underwriting System (AUS) approval using a soft credit pull
7. Six months of post-mortgage counseling

Resources noted, some available as “MLO DIY Solutions” and some only available through HomePrep, are listed on the Home page of Clients2Homeowners.com.

Too often, MLOs don't have a solution for challenged clients they are unable to get a mortgage for. The goal of Clients2Homeowners.com is to provide access to a solution for these clients, empower the MLO with that resource, and ultimately have that client return to the MLO for their mortgage. Providing resources and direction for MLOs and their clients is what Clients2Homeowners.com is all about.

Pam Marron, licensed loan originator, NMLS#246438, does not receive any compensation for services mentioned  on Clients2Homeowners.com.

Our Mission

At Clients2Homeowners.com, our mission is to bridge the gap between Mortgage Loan Originators (MLOs), homebuyers, and key resources such as HUD-certified housing counselors to make homeownership more accessible. By providing education and collaboration with other industry experts, we ensure that aspiring homeowners receive the guidance and support needed to achieve mortgage readiness and long-term financial stability.

Our Vision