Patent Pending
Know exactly where you standbefore you talk to a lender.
RED is designed to understand what's important to you before offering guidance—because better financial decisions begin with better understanding.
60 seconds. No credit pull. No pressure.
Ask RED Anything
RED teaches first. Personalizes only when you ask.
Most asked this week
No credit pull · Patent-pending readiness technology
Reviewed by
Brian Mix · Licensed Loan Officer
NMLS #111175Licensed in AZ20+ yrs underwriting
Already shopping? Build your Offer Envelope — our patent-pending, verified pre-offer package that shows sellers you're serious.
When you're ready, you can choose to connect with a trusted mortgage professional — no pressure, no spam, only if you ask.
Readiness IQ · Conventional
92
Sample scenario
Debt-to-Income
12.4%
Liquid Assets
$142,500
Credit
788
No Credit Pull
Soft, self-reported inputs only. Nothing hits your credit report.
Bank-Level Encryption
TLS in transit, AES-256 at rest. SOC 2-aligned controls.
Zero Sales Calls
You choose if and when to connect with a lender. Never sold.
Patent-Pending AI
RED reasons across 40+ factors the way an underwriter would.
What borrowers and loan officers say about ReadinessIQ
BM
“I've spent 20 years in mortgage. RED is the first tool I've seen that gets buyers ready before they ever call me — and gives me back my nights.”
1,200+
Scorecards generated
4.9/5
Borrower rating
60s
Median time to score
"RED told me exactly why my DTI was killing my FHA odds — and how to fix it in 45 days. My LO used the same scorecard to pre-approve me."
Marcus D.
First-time buyer · Charlotte, NC
"I was ready to give up on buying. RED walked me through USDA in 4 minutes and it turned out I qualified. Closed 6 weeks later."
Priya S.
USDA buyer · Boise, ID
"As a Realtor, I send every new lead to RED before we tour. Saves me weeks of chasing unqualified buyers."
Angela R.
Realtor · Tampa, FL
Trained onFHAVAUSDAConventional (Fannie Mae)Conventional (Freddie Mac)Live agency guidelines
The whole path, in one place
Buying a home is six stages — not one decision
Pick the stage you're in. We'll show you what actually matters there, and exactly what to do next.
Stage 1 of 6
Thinking About It
You're not shopping yet. You're trying to find out whether buying is realistic on your income, your credit, and your savings — without talking to anyone who earns a commission.
What matters at this stage
- Whether your income supports a payment
- What a down payment really costs
- Whether your credit is close enough
Buying in Your State?
The states buyers are searching and reading about right now — loan limits, down payment assistance, property taxes, insurance, and closing customs.
AZArizona Homebuyer GuideBuying a Home in Arizona: The 2026 Readiness GuideMedian price ≈ $445,000 statewide (higher in Maricopa metro) · Conforming $806,500 (baseline, most Arizona counties)CACalifornia Homebuyer GuideBuying a Home in California: The 2026 Readiness GuideMedian price ≈ $860,000 statewide · Conforming $806,500 baseline · up to $1,209,750 in high-cost countiesTNTennessee Homebuyer GuideBuying a Home in Tennessee: The 2026 Readiness GuideMedian price ≈ $335,000 statewide; well above that in Nashville · Conforming $806,500 baseline · up to $943,000 in the Nashville metroNVNevada Homebuyer GuideBuying a Home in Nevada: The 2026 Readiness GuideMedian price ≈ $445,000 statewide · Conforming $806,500 (baseline, all Nevada counties)
Meet RED
60-second intro
Meet RED — your AI Mortgage Readiness Advisor.
Most borrowers are told if they qualify. RED tells you how — trained on 25+ years of underwriting across FHA, VA, USDA, and Conventional loans. Ask anything. Get a real answer. 24/7. Free.
- Every major loan program — real underwriting, not lookup tables
- Live readiness score with a step-by-step improvement plan
- No credit pull. No spam. Only connect with a Loan Officer when you say so.
Meet RED
Your AI Mortgage Readiness Advisor
The 60-second flow
Score. Plan. Handoff.
- 01
Ask RED
RED asks a few conversational questions and builds your 0–100 readiness scorecard for you — no forms, no credit pull.
- 02
Get your Plan
See exactly what's holding you back and the specific steps to move your score up.
- 03
Handoff, when ready
When you're ready, RED introduces you to a vetted loan officer with your file already prepped.
Ask RED anything
Free · no sign-up
Have a question first? Ask RED.
Free AI mortgage advisor for affordability, FHA/VA/USDA loans, credit, closing costs, and refinancing. Plain English, no credit pull, no forms.
How the score works
How your mortgage readiness score is calculated
Five weighted factors, benchmarked against current agency guidelines. Every number ties back to a real underwriting rule.
30%
Credit Score
Mid-FICO across all three bureaus, recent delinquencies, and tradeline depth — benchmarked to each program's minimum.
25%
Debt-to-Income Ratio
Front-end (housing) and back-end DTI against FHA 43–57%, Conventional 45–50%, and VA residual income requirements.
20%
Down Payment & Assets
Sourced and seasoned funds, gift documentation, and reserve months for principal, interest, taxes, and insurance.
15%
Employment & Income
Two-year history, variable income averaging, self-employment trend, and continuity of probable income.
10%
Documentation Readiness
Paystubs, W-2s, tax returns, bank statements, and asset letters — scored on completeness before underwriting friction.
Step 2 · Verify
Turn your estimate into a verified Readiness Scorecard
After you create your free account, your private document portal unlocks. Upload W-2s, paystubs, tax returns, and bank statements and our AI underwriter reads them in seconds — pulling real income, reserves, and liabilities straight into your score so the number a loan officer sees is the same one you see.
- Income: upload W-2, paystub, or 1040 — AI extracts gross/AGI and computes qualifying income.
- Assets & reserves: upload bank statements — we calculate eligible reserves and flag large deposits.
- Credit, your choice: upload your own report from annualcreditreport.com or myFICO, or opt in to a soft credit pull (no score impact) for instant tradeline-level DTI.
- Private & encrypted: files live in your account only. Nothing is shared with a loan officer until you say so.
Verification status
Income
Verified via W-2 + paystub
Assets
$142,500 reserves verified
Credit
Soft pull · 788 FICO
DTI
12.4% (from tradelines)
Eligibility ranges
Where your score lands tells you which loan programs are realistic today — and what to fix to climb a band.
80–100
Mortgage ReadyApprove-ready across programs
Strong credit, DTI under 36%, 5%+ down with reserves. Eligible for Conventional, FHA, VA, and USDA with competitive pricing.
60–79
Nearly ReadyQualifies with conditions
FHA or VA likely, Conventional with compensating factors. Usually one credit, DTI, or reserve item away from full approval.
40–59
Building30–90 day plan needed
Credit repair, debt paydown, or seasoning of funds will lift you into the ready band. We map the fastest route in your report.
0–39
Not YetFoundation work first
Focus on score recovery, stable income history, and savings runway. Re-score every 60 days to track progress.
Get my readiness score
We'll send your personalized score and a 30-day improvement plan. No credit pull. Unsubscribe anytime.
For loan officers & real estate agents
RED isn't just for buyers. It's the AI back office for your business.
Free pre-qualified leads, autonomous transaction coordination, listing flyers, weekly borrower updates — one AI, running your book 24/7.