POP Mortgage Readiness™ Score!

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Participant Name* This field is required.
First Name
Middle Name
Last Name
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Email
example@example.com
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Date Completed* This field is required.
Month
Day
Year
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Target Home Purchase Date
Date
Month
Day
Year
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👉 Pull Your Credit Report Here for $1
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📊 How Your Credit Readiness Score Is Calculated

Your Credit Readiness Score helps determine how prepared you are to qualify for a mortgage. The higher your score, the more mortgage options may be available to you.

✅ Payment History (Up to 8 Points)
Lenders want to see consistent, on-time payments. Late payments within the last 12 months can significantly reduce your mortgage readiness.

💳 Credit Utilization (Up to 5 Points)
This measures how much of your available credit you're using. Keeping your balances below 10% demonstrates responsible credit management.

📁 Open Collections & Charge-Offs (Up to 4 Points)
Outstanding collections and charge-offs are major red flags to mortgage lenders. Resolving these accounts can improve your readiness.

📈 Length of Credit History (Up to 3 Points)
A longer credit history gives lenders more confidence in your ability to manage credit responsibly.

🏦 Credit Mix (Up to 2 Points)
Having a healthy mix of revolving accounts (credit cards) and installment loans (auto, student, personal loans, etc.) can positively impact your score.

🔍 Recent Credit Inquiries (Up to 2 Points)
Applying for several new credit accounts in a short period may lower your mortgage readiness.

🏡 Credit Readiness Rating
🟢 90–100 Points
Mortgage Ready
You're in a strong position to qualify for a mortgage.

🟡 75–89 Points
Nearly Ready (Minor Improvements Needed)
You're close! A few improvements can increase your approval chances.

🟠 60–74 Points
Needs Credit Improvement
Focus on improving your credit profile before applying for a mortgage.

🔴 40–59 Points
Significant Credit Work Needed
Several credit issues should be addressed before pursuing home financing.

⚫ Below 40 Points
Credit Rebuilding Stage
Your priority should be rebuilding your credit foundation before applying for a mortgage.

💡 Remember: Your Credit Readiness Score is designed to help identify opportunities for improvement. It is not a mortgage approval or denial, but a roadmap to becoming mortgage ready.
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Credit Score* This field is required.
740+ = 10
700–739 = 9
660–699 = 8
620–659 = 6
580–619 = 3
Below 580 = 0
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Payment History* This field is required.
No late payments in the last 12 months (8 points)
1–2 late payments (5 Points)
3 or more late payments (2 points)
Multiple recent delinquencies (0)
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💡 Tip: Use the POP DTI Calculator to determine your ratio before answering.
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score_utilization* This field is required.
Under 10% (5 Points)
11–29% ( 4 points)
30–49% (2 points)
50% or higher (0 Points)
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What is your Debt-to-Income (DTI) Ratio?
Under 20%
21-30%
31-36%
37-43%
44-49%
50% or higher
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score_collections* This field is required.
None (4 points)
1–2 accounts (2 points)
3 or more accounts (0 points)
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How long have you had established credit?* This field is required.
7+ years
3–6 years
Less than 3 years
No established credit
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What best describes your Employment History?
Same employer for 2 or more years
Same career field for 2 or more years
Employed for less than 1 year
No stable employment
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What best describes your Income Consistency?
Stable, verifiable income
Mostly stable income
Inconsistent income
No verifiable income
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score_credit* This field is required.Enter Your Credit Readiness Points Here:
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How many months of emergency savings do you have?
6 or more months of expenses
3-5 months of expenses
1-2 months of expenses
No emergency savings
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How much have you saved toward a down payment?
20% or more of target home price
10-19% of target home price
3-9% of target home price
Under 3%
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Have you saved for closing costs?
Fully saved
Partially saved
No closing-cost savings
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Documentation Readiness — Check all documents you currently have ready:
Current driver's license
Social Security card
Two recent pay stubs
Last two years of tax returns
Two months of bank statements
Proof of additional income
W-2s or 1099s
Employment verification
Current government-issued identification
Documents organized and ready
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Homebuyer Education — Check all that you have completed:
Credit Readiness Checklist
Homebuyer Readiness Assessment
DTI Calculator
POP Homebuyer Education Modules
Personalized Homeownership Action Plan
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🏡
HOMEOWNER READY
You scored 85–100 points.
RAP Housing Solutions · Homebuyer Readiness Program
866-890-7277 · INFO@RAPHOUSINGSOLUTIONS.ORG · RAPHOUSINGSOLUTIONS.ORG
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🔑
ALMOST READY
You scored 70–84 points.
RAP Housing Solutions · Homebuyer Readiness Program
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🛠️
PREPARING FOR HOMEOWNERSHIP
You scored 55–69 points.
RAP Housing Solutions · Homebuyer Readiness Program
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📋
GETTING STARTED
You scored 40–54 points.
RAP Housing Solutions · Homebuyer Readiness Program
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🌱
BUILDING YOUR FOUNDATION
You scored 0–39 points.
RAP Housing Solutions · Homebuyer Readiness Program
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Next Steps?* This field is required.Now that You know your Mortgage Score what is your next steps? (Choose More Than One if needed)
Improve Credit
Reduce Debt
Increase Savings
Maintain Employment
Complete Homebuyer Education
Schedule Credit Consultation
I need a Realtor Referral
I Need a Mortgage Lender Referral
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NotesUse this section to take notes.. You will receive your Mortgage Readiness Report via e-mail.
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Doc: Drivers License
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Doc: SSN Card
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Strengths
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Areas for Improvement
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Doc: Pay Stubs
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Counselor Recommendations
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Doc: Tax Returns
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Personalized Action Plan
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Doc: Bank Statements
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Book a Free Mortgage Readiness Session Consult with one of our Specialist to discuss Mortgage Readiness Results
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Doc: Additional Income
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Doc: W2s or 1099s
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Doc: Employment Verify
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Doc: Govt ID
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Doc: Docs Organized
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Edu: Credit Checklist Done
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Edu: Homebuyer Assessment Done
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Edu: DTI Calculator Done
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Edu: POP Modules Done
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Edu: Action Plan Done
Should be Empty:

HOMEOWNER READY

ALMOST READY

PREPARING FOR HOMEOWNERSHIP

GETTING STARTED

BUILDING YOUR FOUNDATION