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The New Standard of Mortgage Readiness
Mortgages are complex, but they don't have to be confusing. We analyze 400+ financial data points to calculate your Readiness IQ — giving you total clarity on your home-buying power.
ReadinessIQ.ai empowers every homebuyer with the clarity and confidence to navigate the mortgage process by transforming complex lending guidelines into a personalized, unbiased readiness plan—backed by AI, live program data, and trusted loan officer expertise.
Free · No credit pull · Chat with our AI or run the 60-second calculator
Qualify and you can opt in to be connected with a Licensed Mortgage Loan Officer — no pressure, no spam, only if you ask.
Readiness IQ
92
Mortgage Ready
Debt-to-Income
12.4%
Liquid Assets
$142,500
Credit
788
60-second intro
Meet RED — your AI Mortgage Readiness Advisor.
Most borrowers are told if they qualify. RED tells you how — trained on 25+ years of underwriting across FHA, VA, USDA, and Conventional loans. Ask anything. Get a real answer. 24/7. Free.
- Every major loan program — real underwriting, not lookup tables
- Live readiness score with a step-by-step improvement plan
- No credit pull. No spam. Only connect with a Loan Officer when you say so.
Meet RED
Your AI Mortgage Readiness Advisor
How your mortgage readiness score is calculated
Five weighted factors, benchmarked against current agency guidelines. Every number ties back to a real underwriting rule.
30%
Credit Score
Mid-FICO across all three bureaus, recent delinquencies, and tradeline depth — benchmarked to each program's minimum.
25%
Debt-to-Income Ratio
Front-end (housing) and back-end DTI against FHA 43–57%, Conventional 45–50%, and VA residual income requirements.
20%
Down Payment & Assets
Sourced and seasoned funds, gift documentation, and reserve months for principal, interest, taxes, and insurance.
15%
Employment & Income
Two-year history, variable income averaging, self-employment trend, and continuity of probable income.
10%
Documentation Readiness
Paystubs, W-2s, tax returns, bank statements, and asset letters — scored on completeness before underwriting friction.
Step 2 · Verify
Turn your estimate into a verified Readiness Scorecard
After you create your free account, your private document portal unlocks. Upload W-2s, paystubs, tax returns, and bank statements and our AI underwriter reads them in seconds — pulling real income, reserves, and liabilities straight into your score so the number a loan officer sees is the same one you see.
- Income: upload W-2, paystub, or 1040 — AI extracts gross/AGI and computes qualifying income.
- Assets & reserves: upload bank statements — we calculate eligible reserves and flag large deposits.
- Credit, your choice: upload your own report from annualcreditreport.com or myFICO, or opt in to a soft credit pull (no score impact) for instant tradeline-level DTI.
- Private & encrypted: files live in your account only. Nothing is shared with a loan officer until you say so.
Verification status
Income
Verified via W-2 + paystub
Assets
$142,500 reserves verified
Credit
Soft pull · 788 FICO
DTI
12.4% (from tradelines)
Eligibility ranges
Where your score lands tells you which loan programs are realistic today — and what to fix to climb a band.
80–100
Mortgage ReadyApprove-ready across programs
Strong credit, DTI under 36%, 5%+ down with reserves. Eligible for Conventional, FHA, VA, and USDA with competitive pricing.
60–79
Nearly ReadyQualifies with conditions
FHA or VA likely, Conventional with compensating factors. Usually one credit, DTI, or reserve item away from full approval.
40–59
Building30–90 day plan needed
Credit repair, debt paydown, or seasoning of funds will lift you into the ready band. We map the fastest route in your report.
0–39
Not YetFoundation work first
Focus on score recovery, stable income history, and savings runway. Re-score every 60 days to track progress.
Get my readiness score
We'll send your personalized score and a 30-day improvement plan. No credit pull. Unsubscribe anytime.