✦ Mortgage Decision Engine
Am I ready to buy a home?
Answer 8 questions. Get your personalized readiness score in 20 seconds.
The Home
🏛️ Conventional
🏠 FHA
🎖️ VA Loan
💎 Jumbo
🌾 USDA
$
20%
3%50%
3%12%
30 Years
20 Years
15 Years
Your Finances
$
Include all borrowers
$
Car, student loans, credit cards
🌟
760+
Excellent
👍
720–759
Very Good
😐
680–719
Good
📈
Below 680
Building
✓ No credit pull ✓ No commitment ✓ No signup required ✓ 20 seconds
Your Personalized Buyer Profile
—
—
—Readiness Score
—
—
Monthly Payment
—
Debt-to-Income
—
Left After Housing
—
Approval Likelihood
Very Likely
An educational estimate based on your DTI, credit range, down payment, and cash flow
—
Your Biggest Opportunity
✓
You're ready for the next step.
Complete your secure mortgage application to get started.
⏱ Estimated time: 15–20 minutes
1Complete your secure mortgage application
2Your broker reviews your financial profile
3Discuss the best loan options for your situation
4Receive your personalized mortgage strategy
Uses standard mortgage affordability formulas aligned with Fannie Mae and Freddie Mac front-end and back-end DTI guidelines. This is an educational readiness assessment only. Not a lending decision, pre-qualification, or pre-approval. Estimates use 1.2% annual property tax and $1,500 per year homeowners insurance. Actual rates, approvals, and payments vary by lender, credit profile, property, location, and market conditions. Consult a licensed mortgage professional before making any purchasing decisions.
Mortgage Readiness Assessment by OurNetHelps
