HomeBuyCredit
Where real estate meets real credit data

Real Estate × Credit Bureaus

Credit-qualify any buyer in under 59 seconds — by link, by a form on your website, or by scanning a license. Then meet exclusive, ready buyers and carry them all the way to closing. All in one place.

See pricing
<59s
buyer to buying power
As low as
$29
3-bureau report w/ FICO® Score 8
Same day
bureau access
1 pro
per lead — exclusive to you
Qualify any buyer

Three ways to credit-qualify a buyer

However a buyer reaches you — a text, your website, or a handshake at an open house — you can know if they're ready, on the spot. No waiting, no guessing.

01

Send them a link

Text or email your personal link — or pick a branded landing page. The buyer checks their credit and buying power in minutes and comes back to you already qualified.

02

Embed a form on your site

Drop a widget on your own website with one snippet. Visitors qualify themselves around the clock and land straight in your pipeline — even while you sleep.

03

Scan a driver's license

Scan the barcode on the back of a license to autofill name, date of birth, and address, then order a report in seconds. Made for the open house, not the desk.

However they start, they end the same way: a credit-qualified buyer, in your pipeline.

Exclusive leads

Every lead is yours — and yours alone

We don't sell the same buyer to five agents and let you race for the callback. Each lead is matched to exactly one professional. When it's yours, it's yours — and it arrives knowing the numbers.

  • One pro per lead
    Matched to a single professional — never shared, never resold to the agent down the street.
  • Priced lower, worth more
    Our leads cost less than the cold lists you're used to — and each one comes with a full credit score and report, not just a name and a maybe.
  • Real buying power, up front
    Every buyer brings verified credit data and a live buying-power number, so you know what they can afford before you pick up the phone.
Estimated buying power
$420,000
Yours only
742 FICO® Score 8Full credit report5% down

Every lead arrives qualified · Illustrative example

Credit bureau access

The easiest credit-bureau access in real estate

Order a full 3-bureau report on any borrower, anytime — with just their name and current address. SSN and date of birth are optional. It's a soft pull, so it never touches the buyer's credit, yet it returns the very same report and scores a $150 hard pull would. Back in under 59 seconds, with the lender-grade FICO® Score 8.

3-bureau reports, as low as
$29with the FICO® Score 8
$25VantageScore® — coming soon
1-bureau reports from $10· delivered in <59sSee full per-use pricing
Score models
FICO® Score 8NowFICO® Score 2FICO® Score 4FICO® Score 5VantageScore 4.0

FICO® Score 8 is live today; the rest are coming soon — rolling them out one at a time helps keep your per-report price low.

Pulled fromExperianEquifaxTransUnionFICO® ScoreVantageScore
Same-day activation

Skip weeks of compliance headaches

Getting bureau access on your own can take weeks of paperwork and cost thousands in setup and contracts. With HomeBuyCredit, you get verified and start ordering — near-instantly — the same day.

  • Activate the same day
    Get verified and start ordering credit the day you join.
  • No compliance maze
    We handle the heavy lifting so you skip weeks of paperwork.
  • Scan-to-order
    Scan a license to autofill the borrower — name, DOB, and address in a tap.
  • Order with confidence
    A quick ID check keeps every pull permissible and protected.

A soft pull, zero impact

Ordering never touches the buyer's credit — yet you get the same full report and scores a $150 hard pull would return.

Name and address is enough

Pull a report with just a name and current address. SSN and date of birth are optional — and an SSN is never stored.

Anytime, on demand

Run a report 24/7, the moment you need one — no waiting on a lender or a callback to find out where a buyer stands.

Agent coverage

Own your ZIPs in two tiers

Claim the markets you want to win — and decide how hard you want to win them. Every paid plan includes coverage in two tiers, and your tier sets where you land in line when a buyer is ready in that ZIP.

  • Preferred-Agent ZIPs — first in line
    Premium, limited slots. Buyers in a Preferred ZIP are routed to you ahead of Verified agents, in a fair rotation with the other Preferred professionals there.
  • Verified-Agent ZIPs — standard coverage
    Your everyday coverage, scaling to unlimited on higher plans. You're matched in fair rotation with other Verified agents, right after any Preferred placement.
  • Add more as you grow
    Each plan includes a set number of each tier; add extra ZIPs in either tier at your plan's overage rate whenever you're ready to expand.

See how many of each your plan includes · view coverage by plan

A buyer is ready in your ZIP
Matched first
Preferred-Agent holders
Fair rotation — the next Preferred agent in line gets the buyer.
Matched next
Verified-Agent holders
With no Preferred placement to fill, the buyer routes here — also in fair rotation.

One buyer, one match · Illustrative example

Your toolkit

Run your whole business in one place

Win the buyer, serve the buyer, get paid — without juggling five tools to do it.

One clean dashboard

Your whole pipeline at a glance — every buyer, lead, and order in one console built for busy days.

Homebuyer management

Keep each buyer's credit, buying power, and activity on a single profile, from first hello to closing.

A branded public profile

A polished profile at your own link that showcases your experience and reviews — trust before the first call.

Your brand on every report

Put your logo, colors, and name on the credit and buying-power reports your clients actually see.

Links & embeds

Branded landing pages and website widgets that capture and qualify buyers for you, on your terms.

Referrals & free leads

Refer the pros in your network and earn free-lead credits when they come aboard.

Add your team

Bring on additional agents and assistants with their own logins and exactly the access you choose.

Flexible billing

Pay as you go, or deposit funds up front and save. You only ever pay for the leads and reports you use.

Help, right in the app

Step-by-step guides and straight answers built into the portal, for the moment you need them.

Automations & integrations

Put the busywork on autopilot

Connect the tools you already use, wire up your own software, and let a new lead trigger the next step on its own.

Zapier & one-click connections

A buyer qualifies and your CRM updates, a text goes out, Slack lights up, your drip kicks off — set it once, no code.

A real REST API

A clean API with tokens, webhooks, and sandbox keys, so a developer can wire HomeBuyCredit into anything you run.

An AI that speaks it

An assistant can pull leads, order reports, and run your pipeline just by being asked — “qualify my new lead and text me the number.”

Rolling out now — want early access? Tell us what you'd wire up.

Enhanced leads

Qualify the whole buying party

Upgrade any HBC or partner lead to add a co-buyer and pull a full 3-bureau report with FICO® scores on each — so you see the household's real, combined buying power, not just one applicant's.

  • Add a co-buyer to any lead
    Qualify couples and co-signers together, on a single lead.
  • Full 3-bureau report on each
    FICO® scores across all three bureaus for every applicant.
  • Income & asset verificationComing soon
    Confirm income and assets in the same flow — less back-and-forth.

As low as +$40 per enhanced lead · see full pricing

Enhanced lead · 2 applicants
Primary buyer
3-bureau reportFICO® 742
Co-buyer
3-bureau reportFICO® 768
Combined buying power
$610,000
Income & asset verificationComing soon

Illustrative example

On the horizon

Real homes in their range

Coming soon

The best part is almost here

Soon you'll see the actual homes a buyer can afford, each with a monthly payment estimated from their real credit — so you can point them at the right homes from day one. We're putting the finishing touches on it.

Also on the way

We're building fast

A few more things partners can look forward to next.

Planned

Property data integrations

Pull listings and property details straight into your workflow from the major real-estate sources.

Planned

Automated income & asset verification

Confirm income and assets securely, with far less back-and-forth for you and your clients.

Planned

Real-time SMS alerts

Get a text the moment a match or an important update lands.

Planned

Mobile apps

Native iOS and Android apps so you can work your pipeline from anywhere.

Qualify your next buyer before the weekend

Join free, get verified the same day, and start meeting exclusive, credit-qualified buyers who already know what they can afford.

See pricing