Conductor for Homeownership

Purpose-built for Habitat for Humanity affiliates.

Built in partnership with Habitat for Humanity of San Antonio and Guadalupe Valley and Habitat for Humanity of Greater Fort Wayne. It runs your affiliate's journey to homeownership on one record for each family: the application and pre-screen, Family Selection, sweat equity and classes, the mortgage file, and life after the keys.

50%

Less time from application to approval

$145K

Estimated savings each year

1,736

Sweat equity hours logged in month one

Habitat for Humanity of Greater Fort Wayne and Habitat for Humanity of San Antonio and Guadalupe Valley.

See it with your affiliate How the journey runs

Built with Habitat for Humanity affiliates, and ready for any homeownership program.

Habitat for Humanity affiliates

Community land trusts

HUD-approved housing counseling agencies

Down payment assistance programs

Individual Development Account programs

Employer-assisted housing programs

Built with Habitat

It started when a Habitat affiliate asked for help.

Habitat for Humanity of San Antonio and Guadalupe Valley was drowning in paper applications. Staff there had seen what Kinetech built for the City of San Antonio and asked whether it could do the same for their families. The affiliate helped shape and fund the first version, and Habitat for Humanity of Greater Fort Wayne came on in 2026. The two affiliates now shape what comes next together, so an affiliate that joins later starts with everything they asked for.

San Antonio and Guadalupe Valley: about 4,000 applicants a year for 60 partner families, and the same manual review for every file, including the ones that could never qualify.

Greater Fort Wayne: paper applications read by hand every January, and board files prepared through the spring for a decision in May.

Both, together: one shared application, so an improvement one affiliate asks for reaches the other, and every affiliate that joins after them.

What Affiliates Get

Every hour spent on paperwork is an hour not spent with a family.

What changed at the two affiliates running Conductor for Homeownership today, and what can change at yours.

Less time on paperwork, more time with families. Staff time that went to sorting paper applications and running credit checks on people who would never qualify now goes to financial coaching and building relationships.

Five months of review, cut to a fraction. Fort Wayne's January application window used to mean five months of manual review before Board approval in May. Approvals now move about 50% faster, and the Board sees a slate in March.

Real money back into the mission. About $145,000 a year in savings at San Antonio, most of it from no longer running credit checks on applicants who were never going to qualify.

Your whole pipeline, without waiting on a report. Applications, sweat equity hours, and families served in real time, instead of a monthly extraction project for the Board or for HUD reporting.

Grow without having to hire. Fort Wayne launched a new Critical Repair program without adding administrative staff, and stopped bringing on temporary help every application season.

How the Journey Runs

From the first application to the keys, on one record.

Six stages, one family record. Each stage follows your affiliate's own rules and stage names, set by your staff, not coded.

01 · Application

Families apply on a phone or computer, in English, Spanish, or another language, or with help at the office. They can start by uploading a pay stub or ID and confirm what it fills in.

02 · Pre-screen

AMI eligibility by county, year, and household size and the pre-screen questionnaire show who can move forward before a credit report is pulled. Declines carry the reason and the steps to reapply.

03 · Interview and intake

A structured phone interview with the family's answers alongside, contact attempts tracked, intake appointments booked, and documents requested as one set.

04 · Readiness and Family Selection

Credit counseling with barriers and reminders, homebuyer classes, and savings goals tracked, then Family Selection packets built from the record.

05 · Sweat equity

Hours logged by date and activity from a phone, or synced from Bloomerang, and counted by bucket. Every family sees what they still need.

06 · Mortgage to keys

A nine-phase mortgage file from mortgage-ready to closing, with lender conditions and deadlines on the record. At closing, the partner family's account becomes a homeowner dashboard.

Underneath every stage: role-based access, an audit trail on every decision, and a family portal that works on a phone.

Who It's For

Built for everyone on the journey, inside the affiliate and out.

Each role sees the work that is theirs, in your affiliate's words.

Always know what comes next.

Apply, upload documents, and log sweat equity from a phone, in English, Spanish, or another language.
See status, the documents being asked for, and the hours and classes still needed.
Get text or email updates, and message Family Services without calling the office.
After closing, keep closing documents, homeowner resources, and affiliate news in one place.

Time back for families, not files.

Disqualifying answers flagged at application, with bulk decline or review in one step.
Phone interviews, contact attempts, and intake appointments on the record.
Credit counseling barriers, reminders, and income re-certification on a schedule.
Decision letters previewed and sent by email or text at every stage.

The mortgage file, off the spreadsheet.

A nine-phase file from mortgage-ready to closing, with days to close counted automatically.
Lender conditions with owners, due dates, and escalation.
Loan Estimate, Closing Disclosure, and Certificate of Occupancy deadlines on a clock.
Lender, attorney or title, and advocate on each file. The lender still makes the credit decision.

Decisions from live data.

Family Selection packets and printable application reports from the record.
Dashboards for denial reasons, demographics, and county grant reporting, exported to Excel.
Several programs and income tiers side by side, grouped by round and county.
Every decision logged, and sensitive documents open only to the roles you choose.

The same engine for land trusts, counseling agencies, and down payment programs.

Community land trusts: ground leases, resale formulas, and stewardship after the sale.
Housing counseling agencies: pre-purchase through post-purchase counseling and homebuyer education.
Down payment assistance and savings-match programs, with every funding source tracked.

Capabilities

Everything Conductor for Homeownership does.

From the first application to the first years in the home, configured to your affiliate's rules, stage names, and look.

Applications in any language

A phone-friendly application in English, Spanish, and other languages, a save-and-return account, and the option to start from uploaded documents that fill in the form.

Pre-screen and AMI eligibility

AMI limits by county, year, and household size, disqualifying answers flagged for review, and declines that carry the reason and the steps to reapply.

Programs, tiers, and rounds

More than one homeownership program or income tier side by side, grouped by round and county, with each program's form built on screen from ready-made Habitat blocks.

Interview and intake

A structured phone interview, numbered contact attempts with reminders, intake appointments, and stage letters sent by email or text at each decision.

Documents

Request a whole document set in one step, collect uploads from a phone or in person, reject with a reason, send itemized missing-document notices, and download a file's archive.

Credit counseling and readiness

Barriers on the file with reminders, collections and debt ratios, a financial snapshot with credit goals, and income re-certification on a schedule.

Sweat equity and classes

Hours by date and activity, construction and other buckets, homebuyer classes against required counts, Bloomerang sync, and spreadsheet import.

Family Selection

Committee packets, a printable application report and pre-screen with the signed authorization, and every decision logged with who made it and why.

Homes and construction

Property inventory and assignment, and construction progress with worksite photos the family can follow.

The mortgage file

Nine phases from mortgage-ready to closing, lender conditions and deadlines, and e-signature for the purchase agreement and note. The lender still makes the credit decision.

After the keys

A homeowner dashboard with closing documents, a resource library, a bulletin board for classes and events, and secure messaging with Homeowner Services.

Reporting and dashboards

Dashboards for denial reasons, demographics, and county grant reports, the data behind any chart in one click, and any list exported to Excel.

Underneath every stage: an audit trail that cannot be edited, sensitive documents open only to the roles you choose, and text messages only for families who opt in.

Proven in Production

Running homeowner selection at two Habitat for Humanity affiliates.

50%

Less time from application to approval, Fort Wayne

March

Board delivery, moved up from May, Fort Wayne

$145K

Estimated savings each year, San Antonio

$106K

Of those savings from credit checks alone

The challenge.

Habitat for Humanity of Greater Fort Wayne reviewed paper applications by hand and prepared its board files through the spring, with delivery to the board in May. Habitat for Humanity of San Antonio and Guadalupe Valley screens about 4,000 applicants a year to serve 60 partner families, and was pulling credit reports on applicants before they had cleared basic eligibility.

What changed with Conductor.

Both affiliates moved applications online. The pre-screen runs against each affiliate's own rules, so staff time and credit reports go to families who meet the basics. Sweat equity hours are logged on the family's record and verified on site. Board and Family Selection packets are drawn from the same data staff use every day.

The outcomes.

Fort Wayne cut the time from application to approval in half and delivered to its board in March instead of May. With the capacity that came back, the affiliate launched a Critical Repair program without adding administrative staff. San Antonio saves an estimated $145,000 a year, $106,000 of it on credit checks alone, and its families logged 1,736 sweat equity hours in the first month.

Running state housing finance or tax credit allocation instead? See Conductor for Housing Development.

Talk to Our Team About These Deployments

Why Conductor for Homeownership

Built with Habitat affiliates, for the whole network.

Two affiliates shaped it and are funding its next chapter. Every affiliate that joins gets what they built.

Families see the path

Every family sees where they stand, what is done, and what comes next, so Family Services spends the call on coaching instead of status.

Sweat equity out of the box

Hours from families and approved supporters, verified and counted by bucket against your policy. Generic CRMs treat this as a custom build.

Your affiliate's words and look

Stage names, labels, and terms in your affiliate's own words, in your colors, at an address of your own, with apply pages for your website.

Built for the whole network

Each affiliate runs as its own tenant on one shared application, with its own data, rules, and forms. Every improvement reaches every affiliate on it.

Your configuration stays yours. Improvements are shared across the network.

About Kinetech

Focused on the work that gets families to stability.

Kinetech is a public sector software firm focused on the work that gets families to stability: affordable housing, energy assistance, and transportation. Across those programs and the public-sector work built alongside them, Kinetech's platforms have served more than 1 million applicants, families, and households nationwide. That includes the Michigan State Housing Development Authority, where Kinetech runs the operational core of the state's affordable housing and energy assistance programs, an agency investing $2.61 billion annually and producing, preserving, or financing 12,414 housing units a year. Habitat affiliates run on the same platform, for the same reason: people need a path to a home, and the people running that path deserve to own how it works.

Security and Your Data

Safe, accessible, and yours.

Families trust you with Social Security numbers, tax returns, and credit reports. Conductor keeps that information protected and in your hands.

Built on a secure platform

Conductor runs on a FedRAMP Moderate authorized platform, the security standard federal agencies use, with SOC 2 reports available on request.

Your data stays yours

Your affiliate owns every record and document. Sensitive files open only to the staff who need them, and if you ever leave, you take everything with you.

Open to every family

Screens work with screen readers and meet WCAG 2.1 AA accessibility, and families can apply in the language they speak.

Kinetech hosts and supports it, so your team runs the program, not the servers.

See the Kinetech PSN platform

Get Started

See it with your affiliate.

Bring your application and your sweat equity policy. We'll show them running in Conductor, from the first application to the keys.

Book a Demo Send Us Your Questions Schedule a Meeting

Already know it fits? Conductor for Homeownership is available through TXShare (#2025-018), Texas DIR (DIR-CPO-5958), GSA (GS-35F-160CA) and Texas TIPS (#220105).

Craig Smith, Partner, Kinetech PSN craig.smith@kinetechcloud.com 773-230-5157