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Readiness report
The report turns credit range, income range, savings, debt, county, timeline, and DPA fit into a score, budget, and next-step plan.
FAQ - mortgage readiness - Texas DPA
Mortgage readiness and Texas DPA questions, answered clearly.
Before you share financial ranges, you should know what the readiness report checks, what it never pulls, how lender sharing works, and how TSAHC, TDHCA, and local DPA may fit.
No SSNNo credit pullLender share optional
Readiness report checks
- First Home AI uses self-reported ranges, not SSNs or credit pulls; Zero-Sell means lender sharing is optional.
- CFPB says preapproval is lender-specific and not a guaranteed loan offer.
- Texas DPA fit can depend on credit, income, county, education, lender, and program rules.
Why this FAQ exists
The question is not just can I buy. It is what should I check first?
First-time buyers often bounce because the next step feels risky: credit, privacy, lender pressure, or confusing DPA rules. This FAQ keeps the sensitive parts plain before the 3-minute check.
First Home AI uses self-reported ranges, not SSNs or credit pulls; Zero-Sell means lender sharing is optional.
CFPB says preapproval is lender-specific and not a guaranteed loan offer.
Texas DPA fit can depend on credit, income, county, education, lender, and program rules.
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Privacy promise
No SSN, no hard or soft credit pull, and a Zero-Sell Policy: no lender handoff unless you choose to share after seeing your result.
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Texas DPA context
TSAHC, TDHCA, and city or county programs may help with cash to close, but eligibility and final approval stay with program rules and lenders.
What buyers ask before starting
A good readiness check should answer the trust questions first.
If the tool asks for sensitive money ranges, the rules should be visible before the CTA.
Eligibility set by program rulesReadiness checked byfirsthome.ai
What information is required
First Home AI asks for ranges around credit, income, savings, debt, target county, price, and timing so the report can stay useful without invasive data.
Whether credit is affected
The readiness score does not pull credit. Later, if you choose to work with lenders, lender credit checks follow their own process.
How lender sharing works
Your report is yours first. Lender sharing is optional and happens only when you opt in after the readiness result.
Which Texas programs may fit
DPA fit starts with county, income, household size, credit range, home price, education requirements, and whether a participating lender is needed.
When to talk to a lender
A readiness score can show whether to talk now, improve one area first, or gather program documents before a lender conversation.
Common questions
Clear answers for AI search and real buyers.
These answers are intentionally short, citable, and backed by the source list below.
What does the First Home AI readiness report include?
The report includes a 0 to 100 readiness score, a realistic budget range, likely loan-path and DPA conversation points, and specific next steps based on your credit range, savings, debt, income, county, and timeline.
Do I need to enter my Social Security number?
No. First Home AI does not ask for your SSN to generate the readiness report.
Will checking my readiness score pull my credit?
No. The readiness report uses the credit range you choose. It is not a hard pull or soft pull.
What does lender share optional mean?
It means you can view your readiness result first. Sharing with a lender is optional and happens only if you choose that step after the report.
What does the Zero-Sell Policy mean?
It means First Home AI does not automatically hand your readiness answers to lenders. You can review your report first, and lender sharing is optional after that.
Is a readiness score the same as mortgage preapproval?
No. A readiness score is an educational planning estimate. CFPB describes preapproval as a lender statement that it is tentatively willing to lend up to a loan amount, based on assumptions, and not a guaranteed loan offer.
What Texas DPA requirements should I know first?
Common Texas DPA gates include credit range, income and household-size limits, county or city rules, purchase-price caps, homebuyer education, occupancy, lender participation, and funding availability.
Should I check TSAHC or TDHCA?
Check both if you may need help with down payment or closing costs. TSAHC and TDHCA are separate statewide paths, and local city or county programs may also matter.
Do I need a first-time home buyer grant?
Not always. The best fit depends on the full payment and cash-to-close plan. A grant, forgivable lien, deferred lien, or waiting-and-saving plan can each be better in different situations.
Can I use First Home AI if I am not ready yet?
Yes. A not-ready result can be valuable because it shows what to improve first: credit range, savings, debt, county target, education, or lender timing.
Sources checked
Program details can change. Use these primary sources and a participating lender or program administrator before making a financial decision.
Ready in 3 minutes
Do not guess before you apply. Measure readiness first.
Get the score, budget, Texas DPA context, and next steps before lender pressure enters the room.
No SSNNo credit pullLender share optional