Your credit. In context.
The estimated FICO range you provide is one part of your readiness assessment. Four other financial factors help explain the result.
Illustrative home buyer model. Readiness is guidance, not a lending decision.
Home Buyer Readiness Score
Ready to buy
a home?
HBRS estimates your financial readiness from your answers, with a score breakdown and next steps.
Check my readinessFree assessment. No credit pull to start.
Looking to rent? Check my rental readiness
Readiness / 100
- Credit
- 30%
- Debt-to-Income
- 25%
- Down Payment
- 20%
- Employment
- 15%
- Payment History
- 10%
Explore what shapes your readinessor skip to the assessment steps
Example readiness score, not your resultYour free result is an estimated range.
Your debt and income.
Your required monthly debt payments compared with your income help explain your debt-to-income ratio and its role in your readiness score.
Illustrative home buyer model. Readiness is guidance, not a lending decision.
Your down payment savings.
What you have saved for a down payment contributes to your homebuying readiness estimate and helps identify next steps to consider.
Illustrative home buyer model. Readiness is guidance, not a lending decision.
Your employment history.
How long you have been employed adds context about the income behind your homebuying plans.
Illustrative home buyer model. Readiness is guidance, not a lending decision.
Your payment track record.
Payment history affects credit. HBRS also gives recent late payments their own 10% weight, alongside the credit factor, to keep recent payment behavior visible in your readiness estimate.
Illustrative home buyer model. Readiness is guidance, not a lending decision.
Your credit. In context.
The estimated FICO range you provide is one part of your readiness assessment. Four other financial factors help explain the result.
Illustrative home buyer model. Readiness is guidance, not a lending decision.
Your debt and income.
Your required monthly debt payments compared with your income help explain your debt-to-income ratio and its role in your readiness score.
Illustrative home buyer model. Readiness is guidance, not a lending decision.
Your down payment savings.
What you have saved for a down payment contributes to your homebuying readiness estimate and helps identify next steps to consider.
Illustrative home buyer model. Readiness is guidance, not a lending decision.
Your employment history.
How long you have been employed adds context about the income behind your homebuying plans.
Illustrative home buyer model. Readiness is guidance, not a lending decision.
Your payment track record.
Payment history affects credit. HBRS also gives recent late payments their own 10% weight, alongside the credit factor, to keep recent payment behavior visible in your readiness estimate.
Illustrative home buyer model. Readiness is guidance, not a lending decision.
Your readiness assessment
Understand your readiness. Choose your next step.
Example buyer assessment01 / 03
Review your finances.
VANCELet's work through your monthly payments one at a time. Use required payments, not account balances.
Car paymentsCredit cardsOther debt
Review and correct your answers before calculating your estimate.
74/ 100
Illustrative buyer profile
See what shapes the score.
How the score is weighted
Credit Score30%
Debt-to-Income25%
Down Payment20%
Employment15%
Payment History10%
Your free result is an estimated range based on your answers.
Share with your agent.
You preview the shared summary and control when access ends.
What the number means
Four ranges. One readiness score.
74 example buyer profile
HBRS combines five factors to estimate your readiness to buy or rent. It is not a credit score or an approval decision.
01 – 40
Not Ready
Every journey starts somewhere. Step-by-step guidance from VANCE.
Example score range
41 – 65
Getting There
Clear gaps to close. VANCE builds your improvement plan.
Example score range
66 – 80
Almost Ready
You're close. VANCE shows you exactly what to work on.
Matches the 74 example
81 – 100
Ready Now
Strong readiness indicators. Review your next steps with a licensed professional.
Example score range
Meet VANCE
Big questions.
Let’s talk.
Your AI readiness coach. Ask about your assessment, make sense of the details, and work through what comes next.
Scroll to follow the conversation
Start with your assessmentVANCEYour readiness coach
Example chatHome buyer readinessIllustrative conversation
Example VANCE conversation. Illustrative guidance, not your assessment.
Buyer: My assessment highlights debt and savings. Where should I start?
VANCE: Start with the monthly payments you entered. Check each required payment against your latest statement, including the minimum due on each credit card.
Buyer: For a credit card, do I enter the balance or the minimum payment?
VANCE: Use the required monthly payment for debt-to-income, not the balance. Review your other monthly debts too, then correct any assessment answers that need updating.
Buyer: Got it. Once I have checked those numbers, what comes next?
VANCE: Review cash for upfront costs and what you want to keep in reserve. Then choose a practical savings step and revisit your assessment when your numbers change.
Ask. Understand. Take your next step.
Interactive buyer coaching is included with Pro.
Start with your assessmentAbout AI guidance
VANCE is an AI advisor powered by Claude (Anthropic). Responses are AI-generated and may contain errors. VANCE is not a licensed mortgage loan originator, financial advisor, attorney, or CPA, and nothing VANCE says is a guarantee of any outcome. Verify important information independently and consult a licensed professional before making financial decisions.
For rental teams
Renter readiness.
A place for your team.
A personal renter assessment today. A planned workspace for renter-approved sharing and leasing follow-up across homes and communities.
Explore HBRS for rental teamsInside the rental area: explore a sample dashboard and the planned tenant-sharing journey. Rental team delivery, RealPage, Yardi, and operator VANCE are not live.
Plans for buyers and renters
Assess your readiness. Get support as you go.
These plans are for individual buyers and renters. Your estimated readiness score is free. Certified features require an available, authorized credit check. Rental business pilots are scoped separately; contact us to discuss your team.
Free
$0to start
- Estimated home buyer or renter score range
- Weighted breakdown of every scoring factor
- VANCE-guided assessment and basic score explanation
- Improvement recommendations
- Borrower-approved agent sharing
- No hard credit check
Certified features
Basic
$24.99/ month
- Everything in Free
- Soft credit check, when available and authorized
- Precise 1 to 100 score
- Certified Readiness Certificate (PDF)
Pro
$34.99/ month
- Everything in Basic
- Personalized Financial Flight Plan
- Interactive VANCE coaching (Pro only)
- Score improvement tracking
- Custom action steps with deadlines
Home buyer readiness
Know where you stand. Before you buy.
Before you buy.
Start your free home buyer readiness assessment in minutes.
Free to startNo hard credit checkScore in minutes
Example buyer profile: 74/100 · Almost Ready