Are You Ready to Buy a Home?
Whether you're already out house hunting, or trying to decide if homeownership is right for you, you're in the right place!
You're teamed up with Josh Sell (mortgage loan officer) and Derica Wade (associate broker, aka: realtor, but more certifications).
This page will give you tangible tips based on your situation.
Then — when it's time, book time with Josh and Derica to get started on the next steps towards a pre-approval!
Enter your info below to see where you stand — and what to do next. No judgment, just a roadmap.
Not yet
Getting there
You're in range
Credit score
Your credit score is a 3-digit number (300–850) that tells lenders how reliably you've repaid debt. The higher your score, the better your interest rate and loan options. Even a small score improvement can save you thousands over the life of a loan.
Move the slider to your score
300
Move the slider to see your status and next steps.
Income & debt
We use your income and monthly debt payments to calculate your debt-to-income ratio (DTI). DTI is the percentage of your gross monthly income that goes toward debt payments. Lenders use it to measure how much of a mortgage payment you can realistically handle. Lower DTI = more buying power and better loan options. Most lenders prefer to see a DTI under 43%, with under 36% being ideal.
Answer a few quick questions
How are you paid?
Down payment savings
This is the cash you've saved toward your home purchase. More saved = lower monthly payments, better loan terms, and no PMI (private mortgage insurance) required if you reach 20% of the home price. Most first-time buyers put down 3–3.5% using FHA or conventional loan programs.
Move the slider to your savings
$0
Move the slider to see your status and next steps.
Save your progress! Screenshot this page before you leave so you can track how your numbers improve over time. Come back in 45 days and run through it again — you might be surprised how much can change.
Your snapshot
Credit
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Income & debt
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Down payment
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Fill in your numbers above to get your full readiness snapshot.
Your team
