One bridge from credit-invisible to closing day.
Puente Home Partners is the bilingual, integrated homeownership platform built for Latino families — bringing mortgage guidance, down-payment assistance, credit-building, and homebuyer education into a single relationship, in Spanish and English.
The gap isn't about wanting a home. It's about access.
The Latino homeownership gap is a structural access gap — concentrated in financing, wealth, and information, not preference.
Financing friction
Latino applicants are denied mortgages at nearly double the rate of white and Asian applicants, even after controlling for income.
Thinner wealth cushion
Latino households hold just 22 cents of wealth for every dollar held by white households — less family wealth to draw on for a down payment.
Credit invisibility
Reliable rent and utility payments often go unrecorded, leaving thin or no credit files even for consistently on-time payers.
Language & trust gaps
Only 29.9% of Latinos aged 25–34 own a home vs. 46.4% of non-Hispanic whites — many enter the process without a guide who speaks their language.
Recognize yourself in these numbers?
Take Your Free Assessment →One path, four pillars.
Most families piece these together from four unrelated providers. Puente makes it one relationship, one file, one plan.
Bilingual Mortgage Advisory
Spanish/English loan guidance specializing in ITIN loans, mixed-status household income, and first-time-buyer programs.
Down Payment Navigator
We match households to the DPA grants and Special Purpose Credit Programs they qualify for, and help them apply.
Credit Builder
Rent and utility payments reported to the credit bureaus, including support for ITIN-based credit files.
Homebuyer Education
Spanish-language, HUD-aligned coaching that satisfies counseling requirements for most DPA programs.
From first conversation to keys in hand.
Join & Get Assessed
A free, Spanish-language readiness check across credit, savings, and documentation.
Start Now →Build Credit
Start reporting rent and utility payments; close credit-file gaps.
Match to Assistance
We identify and help apply to the DPA and grant programs you qualify for.
Get Loan-Ready
Connect with a bilingual, culturally-fluent lending partner.
Close on Your Home
One team with you through closing day — and beyond.
Everyone else solves one piece. We walk the whole path.
Bilingual lenders, rent-reporting apps, and counseling nonprofits each do one thing well. Puente is the connective layer — a single relationship manager and shared file across all four.
| Need | Point solutions | Puente |
|---|---|---|
| Bilingual mortgage guidance | Lender-specific | Integrated |
| Down payment assistance matching | Self-research | Done for you |
| Credit building | Standalone app | Connected to loan-readiness |
| Homebuyer education | Separate agency | One coach, one plan |
| Single point of contact | No | Yes, start to close |
A growing market, still underserved.
Latino buyers are the fastest-growing source of homeownership demand in the country — and the segment lenders and policymakers are actively trying to reach.
Built to plug into programs already funding this work.
Puente doesn't need to build everything from scratch — it connects households to capital and programs that already exist.
HUD-Approved Agencies
Delivering certified, Spanish-language homebuyer education aligned with federal counseling requirements.
Special Purpose Credit Programs
Navigating households to bank- and GSE-funded programs designed for majority-Latino communities.
Rent & Utility Reporting
Partnering to turn on-time payments into recognized credit history, including for ITIN holders.
Bilingual Loan Officers
Referral relationships with lenders who specialize in ITIN loans and mixed-status household income.
Trusted Community Messengers
Churches, employers, and Latino real estate networks who reach families before a lender ever does.
Built Within the Rules
Structured around RESPA, ECOA/Reg B, and FCRA from day one — a service, not a workaround.
Common questions, answered directly.
What is Puente Home Partners?
Puente Home Partners is a bilingual homeownership platform built for the U.S. Latino community. It combines bilingual mortgage advisory, down-payment-assistance navigation, credit building, and Spanish-language homebuyer education into a single relationship, helping households move from credit-invisible to closing on a home.
Is Puente Home Partners a mortgage lender?
No. Puente is not a licensed lender. It refers households to licensed, bilingual lending partners who specialize in ITIN loans and mixed-status household income, and plans to pursue its own NMLS licensing as volume grows.
Who is Puente Home Partners for?
Puente is built for first-time Latino and Hispanic homebuyers in the United States, including ITIN holders, mixed-status households, and families with thin or no traditional credit history.
How much does Puente Home Partners cost?
Homebuyer education and down-payment-assistance navigation are free or grant-subsidized through HUD-approved housing counseling partnerships. The credit-building service is a low-cost monthly subscription, waived for grant-funded clients.
What is the Latino homeownership gap?
It's the roughly 20-percentage-point difference between Latino and white homeownership rates in the U.S., driven primarily by financing access, a wider mortgage denial rate, thinner household wealth for down payments, and credit invisibility — not by differences in the desire to own a home.
Does Puente Home Partners help with ITIN loans?
Yes. Puente connects households — including ITIN holders and mixed-status families — to bilingual lending partners experienced in ITIN loans and alternative income documentation.
See what you qualify for in 2 minutes.
Answer a few quick questions and get an instant, personalized homeownership readiness snapshot — no obligation.
What's your household's approximate annual income?
How much have you saved toward a down payment?
How would you describe your credit history?
When are you hoping to buy?
You're building the foundation — and that's okay.
Based on your answers, the most useful next step is strengthening your credit file and learning the process before you start house-hunting.
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