Underwriting readiness score
Lenders judge self-employed borrowers on income, credit, documentation, and reserves. Answer eight quick questions to see where you stand on a 0–100 scale — and get a printable checklist of exactly what to gather.
A self-assessment of how ready you are to apply — not approval odds, not a pre-approval, and not financial advice. Your answers stay on this device.
Your document checklist
Built from your answers — 0 of 8 gathered. Tick items as you gather them; this page prints cleanly.
What “mortgage-ready” actually means
For a W-2 borrower, readiness is mostly about credit and down payment. For self-employed, 1099, ITIN, and investor borrowers, it’s a wider checklist: two years of returns, a current profit-and-loss statement, a CPA relationship, seasoned reserves, and a credit profile that clears program floors. Most denials in this segment aren’t “no” — they’re “not yet, and here’s what’s missing.”
Your score weights the factors lenders actually care about and turns your weakest spots into next steps. The document checklist below the score adapts to your answers, so an investor sees lease and DSCR items while a bank-statement borrower sees deposit-history items. Your answers save on this device so you can come back as you close gaps — nothing is sent anywhere unless you opt in by email.