Home Buying Readiness Assessment

Your Information

Full Name *

Email Address *

Phone Number *

Financial Readiness

Do you know your credit score? *

Yes, it's excellent (740+)

Yes, it's good (680-739)

Yes, it's fair (620-679)

No, I don't know my credit score

Why This Matters

Your credit score determines loan approval, interest rates, and down payment requirements. Not knowing your score means you can't accurately budget or plan your purchase.

Do you have funds saved for a down payment? *

Yes, 20% or more

Yes, 10-19%

Yes, 3-9%

Less than 3%

Not yet - still saving

Have you calculated your debt-to-income ratio? *

Your monthly debt payments divided by your gross monthly income

Yes, it's below 36% (strong position)

Yes, it's 36-43% (acceptable)

Yes, it's above 43% (challenging)

No, I haven't calculated this

Critical Knowledge Gap

Lenders use debt-to-income ratio to determine how much you can borrow. Not knowing this number means you don't know your realistic budget - which leads to wasted time looking at properties you can't afford.

Understanding the Process

Do you understand the difference between pre-qualification and pre-approval? *

Yes, I fully understand the difference

I have a general idea

No, I'm not sure

Do you know what closing costs are and how much to budget? *

Yes, and I've budgeted for them

I know what they are but haven't budgeted

Not sure what closing costs include

Hidden Costs Surprise

Closing costs typically range 2-5% of purchase price. On a $400K home, that's $8K-$20K in addition to your down payment. Many buyers are caught off guard by this.

Are you familiar with home inspection contingencies and their importance? *

Yes, I understand contingencies and when to use them

I've heard of them but don't fully understand

Not familiar with contingencies

Your Timeline

When do you plan to purchase? *

Ready to start looking immediately

Within 1-3 months

3-6 months

6-12 months

Just researching - no specific timeline

What's your biggest concern about buying? *

Affording the down payment and monthly payments

Finding the right property

Understanding the process

Making the wrong decision or overpaying

Losing out to other buyers in a competitive market

Have you spoken with a lender yet?

Yes, I'm pre-approved

Yes, I'm pre-qualified

Had an initial conversation

Not yet - don't know where to start

Home Buying Readiness Assessment

Are You Ready to Buy?

Your Information

Financial Readiness

Understanding the Process

Your Timeline

Schedule Your Personalized Consultation

Home Buying Readiness Assessment

Are You Ready to Buy?

Your Information

Financial Readiness

Understanding the Process

Your Timeline

Required Acknowledgments

Schedule Your Personalized Consultation