Strong
75-100
You are usually in a good position to start lender conversations and run real payment scenarios in your target state.
Readiness score
Mortgage Readiness Score
Answer 7 questions and see whether credit, cash, debt, employment history, or timing is the main thing holding you back right now.
What you get
A score from 0 to 100
Personalized recommendations
State-specific calculators and program links
A shareable results URL
Optional professional follow-up
7-question assessment
See what is holding you back right now
Step 1 of 7
One question per screen. No login required. Takes about 60 seconds.
Question 1
What is your approximate credit score?
Good
55-74
A few targeted improvements, like a cleaner DTI or more reserves, can improve both approval confidence and pricing.
Fair To Early
0-54
The biggest win is usually getting honest about the next few prep moves instead of jumping straight to listings and rate quotes.
Why it helps
This is for buyers earlier than the payment calculator
Most calculators assume you are already shopping homes and comparing rates. This tool starts a little earlier. It helps buyers who are 3 to 12 months out understand whether they should focus first on credit, cash, debt, documentation, or simply learning the process.
The score is intentionally simple enough to finish in under a minute, but specific enough to point you toward the next guide or calculator that matters. That means fewer generic checklist articles and more direct paths into PMI, DTI, first-time buyer programs, or your state mortgage calculator.
If you already know you want to buy soon, the score gives you a cleaner handoff into a lender conversation. If you are still early, it gives you a concrete prep plan instead of a vague feeling that you are “not quite ready yet.”
Questions
Frequently asked questions
Is this a mortgage pre-approval?
No. This score is a planning tool, not a lender decision. It helps you identify the parts of your file that are likely to matter most before you apply.
What does the score actually measure?
It looks at credit, down payment, income stability, debt load, employment history, your target state, and your buying timeline. Those inputs shape both approval strength and payment durability.
Can I use this anonymously?
Yes. You can complete the assessment and view the results without logging in or sending your information anywhere. The consultation form on the results page is optional.
Why does the tool ask which state I am buying in?
Your state affects which calculator, tax assumptions, and buyer-program resources are most relevant. The state answer personalizes your next-step links.