Home Loan Readiness Quiz

1

Do you know your current credit score?

Yes, and it’s above 700

Yes, and it’s between 640–699

Yes, but it’s below 640

No, I’m not sure

2

In the past 12 months, have you missed any payments on credit cards, loans, or utilities?

No missed payments

1–2 late payments

3 or more late payments

3

What’s your typical credit card usage (balance vs. limit)?

Less than 30% of my available credit

Between 30%–50% of my available credit

Over 50% of my available credit

I don’t use credit cards

4

Do you have a stable source of income?

Yes, full-time employment or self-employment with 2+ years’ history

Yes, but less than 2 years in current role/business

No stable income source right now

5

How much do you have saved for a down payment?

20%+ of home price

10–19%

3–9%

Less than 3% / No savings yet

6

Do you have an emergency fund (3+ months of living expenses)?

Yes

Somewhat

No

7

What’s your debt-to-income (DTI) ratio? (Monthly debt ÷ Monthly income)

Under 30%

31–43%

Over 43%

Not sure

8

Do you currently have any accounts in collections or unresolved public records (judgments, liens, bankruptcies)?

No

Yes, but they are resolved/being resolved

Yes, unresolved

9

How soon are you hoping to buy a home?

Within 6 months

6–12 months

1–2 years

Someday, but no timeline yet

10

On a scale of 1–10, how confident do you feel about being approved for a mortgage today?

8–10 (Very confident)

5–7 (Somewhat confident)

1–4 (Not confident at all)

11

Readiness Score

12

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Full Name

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