Credit & financing readiness

Know your numbers.
Prepare your next move.

A free self-check before a financing conversation. It uses your entries—not a credit report or lender assessment.

No credit pull · No Social Security number · Your entries are not sent or saved

Your financial snapshot

Use monthly amounts in US dollars. Estimates are welcome; confirm them with your lender later.

Enter a score from a 300–850 model. We do not retrieve or verify your score.

Use income before taxes and deductions. A lender determines which income qualifies.

Include car, student loan, credit-card minimums, and other continuing debt payments. Exclude the proposed housing payment below. Include any other mortgage that will remain.

Include principal, interest, property taxes, insurance, mortgage insurance, and HOA dues where applicable. Enter your own estimate; this tool does not quote a mortgage.

For utilization, enter both balances and limits across the same cards. Enter 0 if you have no balances or no available credit limit.

This tool does not generate a credit score, approve a loan, or determine your creditworthiness. Requirements vary by lender and loan product.

Your next conversation, better prepared

Your readiness snapshot

Enter your figures to see your ratios and a preparation checklist.

Your entered credit score—

Self-reported. Lenders may use a different score.

Estimated debt-to-income ratio—

Other debt + proposed housing, divided by gross monthly income.

Estimated card utilization—

Card balances divided by card limits. Optional.

Check your actual information

Reports and scores.

Use the official report service to review your credit history. Credit reports generally do not include your credit score.

Get free credit reports ↗

Opens AnnualCreditReport.com. Any identity verification happens there, not on Property Hub.

Find ways to get your actual credit scores ↗

Many existing card issuers or lenders provide a score. Check the source, date, model, and any fees before enrolling in another service.

Learn more from the CFPB:Debt-to-income ratioGetting your credit reports