Find out if you're ready
to buy a home.
Not just how much you can afford!
Get a free readiness report showing where you stand, what to improve, down payment assistance eligibility, and if it's time to speak with a lender.
Get a free readiness report showing where you stand, what to improve, down payment assistance eligibility, and if it's time to speak with a lender.
Have you owned a home in the last 3 years?
Takes 3 min · No SSN · No credit pull
Turning renters into owners.
One clear step at a time — from “am I ready?” to keys in your hand.
From “am I ready?” to keys in your hand.
today
score
plan
home
Your Homeownership
Readiness Report.
A personalized report: your readiness score, recommended max budget, DPA eligibility, market predictions, and the exact steps you should take next.
From renting to ready in three steps.
No SSN. No credit pull. No account required.
Answer quick questions
Ranges only: credit, income, savings, debts, timeline and target county.
Get your readiness report
Score, realistic budget, DPA eligibility, loan path and buying-power context.
Follow your next steps
Specific actions, scenario projections and an optional specialist review when you ask.
The score is where it starts, not where it stops.
Your report turns ranges into practical guidance: what is already working, what is holding you back, and which moves speed up your timeline fastest.
Sample scenario projection. Every projection in your report includes a confidence range.
You've got your number.
A specialist makes it real.
Your readiness report runs on the ranges you shared. A partnered First Home AI specialist runs your actual numbers — real income, real credit, every state and county program — and confirms what you can really do when a specialist review fits your next step.
Reviews your report against live rates and every program for your area — then confirms your real next step.
You’ve got your number.
A specialist makes it real.
Your readiness report runs on the ranges you shared. A partnered First Home AI specialist runs your actual numbers — real income, real credit, every state and county program — and confirms what you can really do when a specialist review fits your next step.
Reviews your report against live rates and every program for your area — then confirms your real next step.
Your information is not the product.
First-time buyers should not have to trade privacy for clarity. The report comes first. Sharing anything with a lender is a separate, explicit choice.
We answer the awkward ones first.The awkward ones first.
Buying your first home is a money decision. You deserve straight answers.Buying your first home is a big deal. Here's what we hear most often.
No. Nobody contacts you unless you explicitly request a lender connection from your results page. That's our Zero-Sell Policy — we never blast your info to competing loan officers.
No. We never pull your credit. The entire check uses ranges you select — no SSN, no hard or soft inquiry.
Yes — 100% free. No credit check, no hidden fees, no account required. We make money through optional referrals, who provide free expert consultations to you in return for our site's tools and partner services.
They answer "how much can I afford?" We answer "am I ready?" — a 0–100 readiness score, DPA eligibility detection, and scenario projections that show how to improve over time.
Yes. The readiness score, loan-path recommendations, and projections are built on federal mortgage standards. The DPA program database is Texas-specific today — more states roll out in 2026.
You get a plain-language action plan and a re-check schedule. Most users see meaningful change within 90 days.
No black box: Texas A&M Real Estate Research Center, Freddie Mac PMMS, and NAR. Every projection includes a confidence range — we show you the math.
Don't guess if you're ready.
Measure it.
Score, budget, and personalized next steps. Free.