Framework
Framework is a Boston-based, HUD-approved homeownership education platform serving first-time homebuyers and over 200 enterprise partners—including lenders, CDFIs, and housing counseling agencies—via cloud-based courseware, white-label integrations, and a national nonprofit advising network.
- Company typePrivate
- Founded2012
- HeadquartersBoston, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Framework does
Framework is a Boston-based, tech-enabled homeownership education platform founded in 2012 by Housing Partnership Network and Minnesota Homeownership Center, both HUD-approved housing counseling intermediaries, and operated as a social enterprise under the legal entity Framework Homeownership, LLC. Its core product, the Framework® Homebuyer Education Course, is a HUD-approved online course that guides first-time and first-generation homebuyers step-by-step through the buying process over 4–6 hours, meets or exceeds National Industry Standards for Homeownership Education and Counseling, and is accepted by Fannie Mae, Freddie Mac, VA, and USDA loan programs as well as most down-payment assistance programs. The course is delivered via a cloud-based learning management system with a mobile-first, responsive design available in English and Spanish, with audio learning used by approximately 75% of learners.
The platform has expanded from a single pre-purchase course (rebranded and re-platformed in 2023) into a full homeownership education platform that includes the Homeownership Essentials Bundle (Manage Your Mortgage Like a Pro, Home Maintenance 101, Home Energy Basics), the Framework 365™ guided pre- and post-purchase program with optional advising sessions, the Keep Up newsletter for ongoing learner support, and a national network of nonprofit homeownership advising partners. Underlying technology includes real-time reporting dashboards, white-label and API integration options, and ACR (Annual Certification and Data Collection) tooling for CDFI compliance and grant reporting.
Framework operates a B2B2C revenue model with three streams: direct-to-consumer course sales ($30–$95 one-time), the Framework 365™ subscription/enterprise bundle ($99 per client on multi-year contracts), and enterprise licensing to 200+ partners across lenders, housing counseling agencies, CDFIs, real estate, home builders, employer benefits programs, and nonprofits. The company is remote-first with 11–50 employees, has served 1.5M+ first-time homebuyers cumulatively, and has received recognition including the 2022 Anthem Awards (Best Product in DEI), the 2021 Ivory Prize (Finance), and HousingWire Tech100 (2021). No external venture or private equity funding rounds have been disclosed in the source materials.
Framework firmographics
Firmographics- Name
- Framework
- Legal name
- Framework Homeownership, LLC
- Website
- https://frameworkhomeownership.org
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Framework is a Boston-based, HUD-approved homeownership education platform serving first-time homebuyers and over 200 enterprise partners—including lenders, CDFIs, and housing counseling agencies—via cloud-based courseware, white-label integrations, and a national nonprofit advising network.
- Ownership category
- akta.pro rank
Framework industry classification
Industry- Product category
- Homeownership Education Platform
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Computer Systems Design and Related Services (54151)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Mortgage Point-of-Sale (POS) & Borrower Intake Portals (FSALALAD)
- akta.pro secondary industry
- Affordable Housing & First-Time Buyer Brokerage (BPAJAAAD)
Keywords
Where Framework is headquartered
LocationHeadquarters
- HQ city
- Boston
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Framework business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Course Sales to Consumers: Individual homebuyers purchase courses directly online. Standalone homebuyer education at $75; bundled package with Homeownership Essentials at $95.
- Enterprise Partner Licensing: Lenders, housing counseling agencies, CDFIs, home builders, employers, and nonprofits integrate Framework's education platform, likely through licensing agreements or volume pricing. White-label and API integration options available.
- Framework 365™ Program: Comprehensive pre- and post-purchase education bundle at $99, offered through partners to their clients with customizable check-in sessions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Framework Homebuyer Education standalone course |
| One time/ perpetual license | Pay-as-you-go | Homebuyer Education + Homeownership Essentials Bundle |
| One time/ perpetual license | Pay-as-you-go | First-Time Homebuyer Starter Pack (3-Course Bundle) |
| Subscription | Multi-year contract | Framework 365™ Pre- and Post-Purchase Program |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Framework product offering
Product offeringCore offering
Framework operates a cloud-based homeownership education platform that delivers HUD-approved pre-purchase homebuyer courses and post-purchase homeownership courses (mortgage management, home maintenance, energy basics) to first-time and first-generation homebuyers. The platform is offered both directly to consumers and through enterprise partners (lenders, CDFIs, housing counseling agencies, home builders, employers, nonprofits) via white-label and API integrations, supported by a national network of nonprofit homeownership advisors.
Product overview
Framework is a homeownership education platform that evolved from a single online course into a comprehensive platform-plus-modules architecture. The core product is the Framework® Homebuyer Education Course ($75 standalone or $95 bundled with Homeownership Essentials), a HUD-approved course meeting national industry standards. This core course is complemented by the Homeownership Essentials Bundle ($30 for three courses: Manage Your Mortgage Like a Pro, Home Maintenance 101, and Home Energy Basics) for post-purchase education. At the enterprise level, Framework 365™ ($99) combines pre- and post-purchase education with optional advising sessions. Additional offerings include the Keep Up newsletter for ongoing learner support, a national network of homeownership advisors, and the annual Homeownership Confidence Report research publication.
Differentiator
Problem solved
Functional benefit
Brands
- Framework 365™: A guided learning path that supports homebuyers with pre- and post-purchase self-paced, online homeownership education, including Framework Homebuyer Education and three post-purchase homeownership courses.
- Keep
Products and services
- Framework® Homebuyer Education Course A HUD-approved online course that guides first-time homebuyers step-by-step through the home buying process, from budgeting to closing. Takes 4-6 hours to complete, available in English and Spanish with audio options, meets Fannie Mae, Freddie Mac, VA, and USDA requirements, and includes a certificate of completion accepted by most lenders and down-payment assistance programs.
- Framework Homeownership Essentials Bundle A bundle of three post-purchase courses designed to help homeowners protect their equity and thrive throughout their homeownership journey. Includes Manage Your Mortgage Like a Pro, Home Maintenance 101, and Home Energy Basics.
- Manage Your Mortgage Like a Pro Course A 6-lesson course teaching homeowners to monitor mortgage status, manage escrow accounts, reduce long-term loan costs, and protect their investment during financial hardship. Available individually at $25.
- Home Maintenance 101 Course A 5-lesson course covering basic maintenance skills to protect budget and equity, including budgeting for repairs, top maintenance tasks, and scam prevention. Available individually at $25.
- Home Energy Basics Course A 6-lesson course covering energy efficiency strategies including energy audits, air sealing, insulation, and going solar to reduce utility costs and increase home value. Available individually at $25.
- Framework 365™ A guided learning path combining pre- and post-purchase self-paced homeownership education including Framework Homebuyer Education plus three post-purchase courses, with optional check-ins and advising sessions. Priced at $99 per client and offered to enterprise partners with customizable support.
- Homeownership Advising Network Access to a national network of nonprofit homeownership advising partners providing one-on-one guidance on loan estimates, refinancing, credit issues, and the closing process for learners across the United States.
Quantifiable outcome
- 66% of long-term homeowners experienced a home-related expense they were not financially prepared for
- +1 more outcomes
Companies that use Framework
Customer profileNamed customers4 records
Segments8 records
Ideal customer profiles6 records
Framework technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Framework partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- Pennsylvania Housing Finance Agency (PHFA)corePHFA partnered with Framework to move their custom homebuyer education course onto the Framework platform, gaining access to pre- and post-purchase support and services for Pennsylvania homebuyers.
- NeighborWorks Green BaycoreNeighborWorks Green Bay introduced Framework 365 to strengthen post-purchase support for their homeownership clients, providing ongoing education through the platform.
- Change LendingcoreChange Lending partners with Framework to provide people with tools and knowledge needed to confidently take the first step toward homeownership. Framework helps meet CDFI Development Service requirements.
- North West Housing Partnership (NWHP)coreNWHP partners with Framework to continue their commitment to provide quality homebuyer education and counseling services, allowing NWHP to assist homebuyers better understand options, avoid scams, and make informed decisions.
- Housing Partnership NetworkcoreCo-founding nonprofit organization and HUD-approved housing counseling intermediary with deep roots in community-based support. Framework was founded in 2012 by Housing Partnership Network and Minnesota Homeownership Center.
- Minnesota Homeownership CentercoreCo-founding nonprofit organization and HUD-approved housing counseling intermediary. Framework was founded in 2012 by Minnesota Homeownership Center and Housing Partnership Network.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Framework competitors and assessment
Company assessmentBroad incumbents
- Quicken Loans / Rocket Mortgage: Rocket Mortgage is a large-scale retail mortgage lender that provides proprietary homebuyer education, mobile pre-qualification, and onboarding experiences that compete with third-party platforms like Framework for lender-driven borrower education.
Others
- Minnesota Homeownership Center: Minnesota Homeownership Center is Framework's co-founding nonprofit and a HUD-approved housing counseling intermediary; it operates homebuyer education and counseling programs in Minnesota that intersect with Framework's mission and learner base.
- Housing Partnership Network (HPN): HPN is one of Framework's two founding nonprofit parents and a HUD-approved housing counseling intermediary; it operates member-driven affordable housing and counseling programs that both supply content credibility and create a sibling channel for the same mission.
Direct peers
- eHome America: eHome America is a HUD-approved online homebuyer education platform that sells pre-purchase courses to consumers and licenses them to lenders, counseling agencies, and HFAs — directly overlapping with Framework's core offering, learner market, and partner channel.
- Credit.org: Credit.org is a HUD-approved housing counseling agency that delivers pre-purchase homebuyer education, counseling, and post-purchase support — competing head-to-head with Framework for housing-counseling agency partnerships and state HFA contracts.
- NeighborWorks America: NeighborWorks America is a national network of HUD-approved housing counseling and education providers; Framework's NeighborWorks Green Bay partnership highlights the bidirectional overlap in serving first-time and first-generation homebuyers.
- Homeview (HomeView Inc.): Homeview provides online and in-person HUD-approved homebuyer education courses for consumers, lenders, and real estate partners, directly comparable in product, regulatory positioning, and target buyer to Framework.
Emerging players
- Clearpoint Credit Counseling Solutions: Clearpoint is a HUD-approved housing counseling and financial education provider offering pre-purchase education, counseling, and reporting tools that compete with Framework for agency and lender partnerships.
- GreenPath Financial Wellness: GreenPath is a HUD-approved counseling agency offering pre-purchase homebuyer education and financial wellness programs; it overlaps with Framework on the housing-counseling side and employer benefits channel.
- Money Management International (MMI): MMI is a large HUD-approved housing counseling and financial education provider delivering pre-purchase courses, counseling, and post-purchase support to consumers and partner agencies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Framework social profiles
Digital presenceFramework compliance and trust
Trust signalCompliance4 records
Framework financial estimates
Financial estimateRevenue estimate
Valuation estimate
Framework leadership team
Management profileNumber of profiles
Profiles12 records
Framework funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Framework M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Framework
What does Framework do?
Framework operates a cloud-based homeownership education platform that delivers HUD-approved pre-purchase homebuyer courses and post-purchase homeownership courses (mortgage management, home maintenance, energy basics) to first-time and first-generation homebuyers. The platform is offered both directly to consumers and through enterprise partners (lenders, CDFIs, housing counseling agencies, home builders, employers, nonprofits) via white-label and API integrations, supported by a national network of nonprofit homeownership advisors.
Is Framework a public or private company?
Framework is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Framework founded?
Framework was founded in 2012. It employs 11 to 50 people.
Where is Framework based?
Framework is headquartered in Boston, United States, in the North America region.
How does Framework make money?
Three revenue lines are on record. Course Sales to Consumers are the primary driver. The others are enterprise Partner Licensing and framework 365™ Program.
Who are Framework's main competitors?
Quicken Loans / Rocket Mortgage is listed as a broad incumbent. Others are Minnesota Homeownership Center and Housing Partnership Network (HPN). Direct peers are eHome America, Credit.org, NeighborWorks America and Homeview (HomeView Inc.). Emerging players are Clearpoint Credit Counseling Solutions, GreenPath Financial Wellness and Money Management International (MMI).
Does Framework have an API?
No public API is recorded for Framework.
What industry is Framework in?
Framework's product category is Homeownership Education Platform. Its primary akta.pro industry code is FSALALAD, Mortgage Point-of-Sale (POS) & Borrower Intake Portals, with a secondary code of BPAJAAAD, Affordable Housing & First-Time Buyer Brokerage. Its NAICS code is 518 and its SIC code is 7372.