Homebuyer Rescue Tool

Homebuyer Rescue Tool

This advanced assessment estimates how close a low-credit buyer may be to mortgage readiness. As users answer, the form auto-calculates a Homebuyer Rescue Score, Readiness %, and Estimated Months to Mortgage-Ready.

2. How many late payments have you had in the last 12 months?

A. 6 or more (0)

B. 3–5 (3)

C. 1–2 (7)

D. None (10)

3. Do you currently have collections, charge-offs, or judgments?

A. Yes, multiple (0)

B. Yes, one major account (3)

C. Maybe / not sure (5)

D. None (10)

5. Do you currently have money saved for down payment and closing costs?

A. None (0)

B. Under $1,000 (2)

C. $1,000–$4,999 (5)

D. $5,000–$9,999 (8)

E. $10,000+ (10)

6. How stable is your current income?

A. Unemployed / inconsistent (0)

B. New job or irregular income (3)

C. Stable for 6–12 months (6)

D. Stable for 1–2 years (8)

E. Stable for 2+ years (10)

7. What best describes your debt-to-income pressure?

A. Very high — bills feel unmanageable (0)

B. High — little room left each month (3)

C. Moderate — manageable with discipline (6)

D. Low — room in the budget (8)

E. Very low — strong monthly margin (10)

8. Have you reviewed your credit report and disputed errors?

A. No, never (0)

B. I checked once (3)

C. I reviewed it recently (7)

D. Yes, and I am actively fixing items (10)

9. How soon are you trying to buy a home?

A. Immediately, within 0–3 months (3)

B. Within 6 months (5)

C. Within 12 months (8)

D. 12+ months, I am planning ahead (10)

10. Do you follow a monthly budget or cash-flow plan?

A. No budget (0)

B. Loose tracking only (3)

C. Basic written budget (6)

D. Structured monthly plan (8)

E. Automated system with savings goals (10)

Your Live Results

These values update as the form is completed.

Homebuyer Rescue Score

/ 100

Readiness %

Estimated Months to Mortgage-Ready

months

Emergency Repair Zone

You are not mortgage-ready yet. Priority order: stabilize income, stop late payments, lower utilization, and clean up derogatory items.

Likely path: 12–24 months with focused repair.

Foundation Zone

You may be 6–18 months away. Focus on reducing revolving balances, disputing errors, building reserves, and tightening monthly cash flow.

Likely path: 6–18 months.

Preparation Zone

You may be close. Improve savings, avoid new debt, and strengthen your file before speaking with a lender.

Likely path: 3–9 months.

Buyer-in-Progress Zone

You appear to be in range for a practical homebuyer action plan, subject to underwriting, property standards, and local assistance-program rules.

Likely path: 0–6 months.

Get Your Rescue Plan

Submit your contact details to receive your score and the recommended next-step path.

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