Know Where You Stand.
Know What's Next.
The Home Buyer Readiness Score (HBRS) gives you a real readiness score, built for your real estate goals. Whether you're buying your first home, growing a rental portfolio, or developing a community.
Free to start. No SSN required. Results in 5 minutes.
Powered by Avance Financial LLC
Bank-level encryption protects your data
No impact on your credit score
Your consumer rights, protected
Who Are You Building For?
Select your path. Each track has its own scoring model, tailored to your goals.
How It Works
Three steps to understand your readiness, no matter your real estate goals.
Answer a Few Questions
No SSN required to start. VANCE builds your profile through a simple conversation tailored to your goals.
Get Your Score
1-100. Clear. Honest. Specific to your audience track and real qualification standards.
Get a Plan
VANCE tells you exactly what to work on and connects you to the right Avance Financial product when you're ready.
What Your Score Means
You qualify. Get connected to the right product now.
You're close. VANCE shows you exactly what to work on.
Clear gaps to close. VANCE builds your improvement plan.
Every journey starts somewhere. Step-by-step guidance from VANCE.
For educational and guidance purposes only. Not a loan offer, credit decision, or investment recommendation.
Five Tracks. Five Scoring Models.
Every track weighs what actually matters for your goal. No generic scores.
Home Buyer
Renter
Landlord
Multi-Family Investor
BTR Developer
Meet VANCE. Your AI Readiness Coach.
VANCE isn't a chatbot. He's a financial readiness engine trained specifically for real estate. He knows what buyers need, what investors qualify for, and what developers have to prove. He speaks your language, and he'll tell you the truth about where you stand.
Adapts to You
Different scoring models and coaching for buyers, renters, investors, and developers.
Personalized Plans
Clear, specific steps to reach your goals, not generic advice.
Always Available
Get guidance on your schedule. VANCE is ready when you are.
VANCE is an AI advisor, not a licensed loan originator, financial advisor, attorney, or CPA. For educational and guidance purposes only. Not a loan offer, credit decision, or investment recommendation.
First Home. Real Plan.
VANCE scores your credit, income, savings, and employment against real mortgage standards, then tells you exactly what to fix and in what order. When you're ready, we connect you with a licensed Avance Financial loan officer.
Get My Buyer ScoreRenting Now. Owning Later.
Whether you're trying to qualify for a better apartment today or planning your path to ownership, VANCE builds you a roadmap, not just a number.
Get My Renter ScoreYour Next Property Starts Here.
VANCE analyzes your DSCR, reserves, and portfolio health against investment lender standards. Know exactly what you qualify for before you make an offer.
Get My Investor ScoreScale With Clarity.
From NOI analysis to liquidity positioning, VANCE gives multi-family investors institutional-grade readiness assessment, and connects you to the right capital when you're ready to move.
Get My MF ScoreBuild Communities. Raise Capital.
VANCE assesses your capital stack, land control, and development experience against construction lender and LP standards. Know your readiness before you pitch.
Get My Developer Score