Framework

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.

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

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

• Homebuyer education
• Homeownership platform
• Housing counseling
• Financial education courses
• Post-purchase support

Headquarters

HQ city

Boston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Course Sales to Consumers: Individual homebuyers purchase courses directly online. Standalone homebuyer education at $75; bundled package with Homeownership Essentials at $95.
2. 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.
3. 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

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core 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

Named customers4 records

Segments8 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core.

• Pennsylvania Housing Finance Agency (PHFA)coreStrategic or Co-development Partner · 28 June 2026PHFA 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 BaycoreStrategic or Co-development Partner · 12 January 2026NeighborWorks Green Bay introduced Framework 365 to strengthen post-purchase support for their homeownership clients, providing ongoing education through the platform.
• Change LendingcoreStrategic or Co-development PartnerChange 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)coreStrategic or Co-development PartnerNWHP 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 NetworkcoreStrategic or Co-development PartnerCo-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 CentercoreStrategic or Co-development PartnerCo-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

Broad 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

• Xx.com/frameworkhome

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Framework