What's your homebuying score?
Like a credit score — but easier. Answer 6 quick questions and get a score from 1 to 100, plus the exact steps to raise it.
No credit check · No obligation · Takes about 90 seconds
How's your credit looking?
Your best guess is fine.
What's your annual household income?
Include everyone who'll be on the loan.
How much have you saved?
Money you could put toward a home.
What are your monthly debt payments?
Car, student loans, and credit card minimums.
How long have you been at your job?
Steady income helps you qualify.
Is this your first home?
Where should we send your score & action plan?
We'll show your score on the next screen and email you a copy to keep.
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What's driving your score
Your score is the sum of four self-reported inputs, weighted as shown below: credit range (35 points), savings measured against a target of $12,000 or 20% of your annual income, whichever is higher (25), monthly debts against income (25), and length of employment (15). It is an educational estimate, not a credit score, a pre-qualification, or a lending decision.
Your next steps
Do these to raise your score fastest.
Let's raise your score together
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Not an offer to lend. Subject to credit approval and additional terms apply. {{ footerCompany }}
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The homebuying readiness score is an educational tool only. It is not a credit score, a FICO score, a preapproval, or a commitment to lend, and it does not guarantee loan approval or any rate or term. Scores are based on self-reported information and general guidelines that vary by loan program and change without notice.
DAS Acquisition Company, LLC is not affiliated with or endorsed by any government entity or agency, including USDA, HUD or VA. USA Mortgage is not licensed to give credit advice; please reach out to a credit counselor.