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Step 2

Readiness

Know your numbers before lenders do

What Happens at This Step

Before you talk to a single lender, we help you understand your financial picture. We look at your credit score range, annual income, savings, and employment status. This is the foundation — knowing your numbers means no surprises and no embarrassing moments in front of a lender.

  • 1Share your estimated credit score range
  • 2Provide your approximate household income and savings
  • 3Tell us about your employment status and any special eligibility (VA, rural)

Documents You'll Need

  • Recent pay stub (to estimate your income range)
  • Awareness of your credit score (you can check for free at AnnualCreditReport.com)

No uploads needed yet — we just need ballpark figures to assess your options.

Expected Costs at This Step

Free — included in your plan

This assessment is fully included. There are no fees to understand your readiness.

Why Let Us Guide You Through This

  • ✓We flag credit or savings issues BEFORE a lender rejects you
  • ✓We identify if you qualify for VA, USDA, or low-income programs automatically
  • ✓You'll walk away knowing exactly what loan types you're eligible for

Steps are unlocked as you progress

Each step must be completed before moving to the next. This keeps your journey on track and ensures you never skip a critical milestone — protecting your time, money, and eligibility.