Readiness Checklist

Track every step toward your keys — 23 items to mortgage-ready

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0 of 23 steps complete

0 / 975 readiness XP

Credit & Finances

0/5

Checked all three credit reports (Equifax, Experian, TransUnion)+25 XP

Know my credit score and it meets lender minimums+50 XP

Disputed any errors on my credit report+25 XP

Avoided opening new credit accounts in the past 12 months+25 XP

Paid down credit card balances below 30% utilization+50 XP

Income & Employment

0/4

Have at least 2 years of stable employment history+50 XP

Gathered recent pay stubs (last 30 days)+25 XP

Have last 2 years of tax returns ready+25 XP

Calculated my gross monthly income accurately+50 XP

Savings & Down Payment

0/5

Determined how much I need for down payment and closing costs+50 XP

Have 2–3 months of bank statements ready+25 XP

Documented any gift funds from family (gift letter ready)+25 XP

Researched available Down Payment Assistance programs+50 XP

Will still have an emergency fund after purchase+50 XP

Debt & Budget

0/3

Calculated my debt-to-income ratio (DTI)+50 XP

Avoided major purchases (cars, appliances) on credit+25 XP

Created a post-purchase monthly budget including PITI+50 XP

Education & Counseling

0/3

Completed HUD-approved homebuyer education course+100 XP

Obtained a mortgage pre-approval letter+100 XP

Understand the difference between loan types (FHA, Conventional, VA, USDA)+50 XP

Property & Legal

0/3

Understand what property types are eligible for DPA programs+25 XP

Plan to get a professional home inspection+25 XP

Understand the closing process and timeline+25 XP

My Own To-Dos

0/0

No custom to-dos yet. Add anything you need to get done on your path to homeownership.