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Homebuying
Readiness Check

See what is already working and identify the few areas worth strengthening before you apply. Nothing you check is sent or saved.

CHECK WHAT IS TRUE TODAY

PLANI have a comfortable monthly-payment target—not only a purchase-price goal.CREDITI have reviewed my credit reports and know my approximate mortgage scores.INCOMEMy income has been stable and can be documented.CASHI know which funds I expect to use for down payment and closing.RESERVESI expect to retain an emergency reserve after closing.PAPER TRAILI have avoided unexplained cash deposits and can document major transfers.PAYMENTI understand that taxes, insurance, HOA dues, and mortgage insurance affect the payment.STABILITYI am not planning a job change, large financed purchase, or new credit account before closing.

Educational planning tool—not a preapproval.

Readiness and mortgage eligibility depend on the complete borrower, property, loan program, and current underwriting requirements. A lower score here does not mean you cannot qualify.

HomebuyingReadiness Check

Homebuying
Readiness Check