Stop losing tomorrow's closings to today's credit problems.
When a buyer isn't mortgage-ready, you can't close today. Send them to a free, educational Credit Autopsy™ so they understand what lenders see and what to work on first. You share a link. We never pay for referrals, never take a lead list, and never send anyone's credit information back to you.
Keep the buyer relationship when credit readiness, not motivation, is what's holding the deal back.
For licensed real estate and mortgage professionals. This is not a referral-fee program. We do not guarantee credit-score changes, loan approvals, or any outcome for any buyer. The Credit Autopsy™ session is free. Additional FundedCEO™ services may carry a fee, which is explained in writing before you decide.
You found the house. They loved it. Then the file got pulled, and the deal you already mentally closed stalled on a credit report.
That buyer didn't stop wanting the house. They just weren't ready yet, and most of the time nobody goes back to explain why. Here is where it usually happens, and what the free Credit Autopsy™ helps the buyer understand.
"We were clear to close, then the file got pulled again."
→The buyer sees what is on their reports and what a lender's review may flag, before they apply.
A self-employed buyer who looks risky on paper.
→They learn how a lender may read their credit file and what they should be ready to document.
A DIY dispute app made things worse.
→They see what is actually on each report instead of guessing. Buyers can always dispute inaccurate items themselves, for free.
Old collections nobody caught until underwriting.
→They see what is sitting on each of their three bureau reports before it becomes a closing-day surprise.
A co-borrower's credit is quietly dragging the deal.
→Every borrower on an application can review their own file first, so nobody is surprised.
Thin file, not bad credit.
→They learn the difference, and what they can start building instead of just being told to wait.
Someone else's history shows up on your buyer's file.
→They can spot items that may not be theirs and learn how to dispute inaccurate items directly with the bureaus.
A "good enough" score still triggers extra review.
→They learn that lenders look at more than one number, and what else may be in play.
Educational only. No score, approval, deletion or timeline is promised, and every lender decides under its own underwriting.
I've worked both sides of the closing table.
Earlier in my career I was a loan officer and a realtor. I have also worked at Morgan Stanley, HUD and Capital One. The pattern is the same everywhere: a buyer who wanted the house, a credit file that wasn't ready, and nobody in the transaction whose job it was to explain it.
FundedCEO™ is built to be that explanation: free, educational, and before the application, not after the denial. It does not replace your role, your required notices, or your relationship with your client.
We don't pay for referrals. That is the whole point.
Federal law bars giving or accepting a fee, kickback, or other thing of value for referring settlement-service business on a federally related mortgage loan, and the covered services include real estate agent and broker services and loan origination. The CFPB has also warned that some "marketing" payments are really disguised referral payments. Many state real estate rules add more. So we built a program that has no money moving at all.
Partner
- How a buyer reaches usYou share a link or QR code. The buyer registers on their own.
- What you receiveA trustworthy place to send buyers who aren't ready, approved wording, and anonymous activity counts such as link clicks.
- What we receive from youNothing. No lead list, no applicant data, no files.
- PaymentsNone. Not to you, and not from you.
- Credit informationStays with the buyer. Any sharing with you is the buyer's own choice, made by them.
The things that put a license at risk
- Referral fees, lead fees, or giftsNot paid, not accepted, and not disguised as co-marketing, sponsorships, or event costs.
- Lead listsWe don't buy them, sell them, or accept them from you.
- Reporting results to a lenderWe don't pass a buyer's scores or results to any lender. That could turn a consumer's information into an underwriting input and raise credit-reporting questions for us.
- Conditions or steeringNothing is conditioned on using us, a particular agent, or a particular lender.
- Replacing required noticesA referral never substitutes for a lender's denial notice or its duty to decide an application.
Your deal stays your deal.
We don't touch your transaction, your application, or your client relationship. We run one educational session and get out of the way.
The honest next step
- Notice buyers who aren't ready for a loan today.
- Share the link or QR, using approved wording.
- Keep taking applications and issuing every required notice, as you always do.
- Tell your broker or compliance officer before you share it.
The education
- Run the free Credit Autopsy™ workshop or a Next Step Call.
- Explain any paid option and its cost in writing before the buyer commits.
- Keep the buyer's information confidential.
- Never send results to you, to a lender, or to anyone else without the buyer's own action.
The decision
- Chooses whether to attend, with no pressure.
- Pulls their own reports through our monitoring partner. The $1 trial and its terms are on that partner's sign-up page.
- Decides whether to share anything with you.
- Can dispute inaccurate items on their own reports for free.
Four steps, no money, no data transfer.
Request access
Tell us your role, license, and brokerage or lender. We confirm you are in good standing.
Agree to the terms
Short Partner Terms: no payments, no lead lists, no promises, approved wording only.
Get your kit
Approved wording, a shareable link, and a QR code you can use on your own materials.
Share the link
The buyer decides, registers, and attends. They come back to you when they are ready.
Rules we hold ourselves and every partner to.
We would rather lose a partner than put a buyer, or your license, at risk.
We will never ask you to
- Accept or offer anything of value in exchange for a referral.
- Send us applicant or client information, or a list of names.
- Tell a buyer that attending improves their approval odds or is required for a loan or for your services.
- Use a referral to steer a buyer toward or away from a particular lender or agent, or to avoid taking an application.
- Send bulk texts or emails on our behalf.
What every partner agrees to
- Keep your license in good standing and follow your brokerage's or lender's policies.
- Tell your broker or compliance officer before sharing the link.
- Use only approved wording, and send anything new to us first.
- Lenders: keep issuing every required denial notice with specific reasons, as the law requires.
- Be honest with buyers that no payment or relationship exists behind the referral.
Questions agents and loan officers ask first.
Can I earn a referral fee?
No. We don't pay referral fees, lead fees, gifts, or co-marketing payments to realtors or lenders, and we don't accept them from you. Federal law restricts payments for referrals in mortgage transactions, and state real estate rules add more. We would rather give up the incentive than put your license at risk.
Can I send you my pre-approval denials or a list of buyers?
No lists. You hand the buyer a link and they decide for themselves. If you are a lender, the link never replaces your required denial notice or your duty to decide an application.
Will you tell me how my buyer did?
Not unless the buyer tells you themselves. We never send credit scores, reports, or results to you or to any lender. You will see anonymous activity counts only, such as link clicks.
Can I co-host a workshop at my office or sponsor an event?
Ask us first. When one side pays for the other's marketing, it can become a thing of value. Our default is that each side pays its own costs and that no event is tied to referrals. We review any joint event with counsel before agreeing.
Does attending make a buyer more likely to be approved?
No. We make no promises about approvals, scores, or funding. Lenders decide under their own underwriting. Attending is not a condition of any loan or of any agent's services.
Is it really free for the buyer?
The session is free and educational. Buyers pull their own reports through our monitoring partner, which offers a $1 trial. Its terms are shown on that partner's sign-up page. If a buyer is interested in any paid FundedCEO™ service, we explain it and its cost in writing before they commit.
Do I need to tell my broker or compliance officer?
Yes. We recommend it, and our partner terms require it. Most brokerages and lenders have policies on outside resources, and it is better to have the conversation before you share anything.
Will you send me clients or introductions?
No. We don't promise introductions, referrals, or any volume of business, and nothing here is an exchange of clients. A buyer who attends is free to work with any agent or lender they choose.
What happens after the Credit Autopsy™?
The buyer decides. They can stop there, work on their reports on their own (disputing inaccurate items is free), or ask about a paid FundedCEO™ service. If they do, we explain what it is and what it costs in writing before they commit.
Want a trustworthy place to send buyers who aren't ready yet?
- Licensed and in good standing where licensing applies.
- You will tell your broker or compliance officer before sharing the link.
- You will use approved wording only, with no outcome promises.
- No payments or things of value, in either direction.
We review every request and we are selective on purpose. Submitting a request does not guarantee acceptance, and it creates no agreement.
Request received.
Thank you. We review every request and will email you at the address you gave. This request is not an acceptance and creates no agreement.