Every step below is free for buyers, works without a credit pull, and hands you a real action plan — not a marketing estimate.
How a borrower's 60-second score flows through RED to a licensed LO and agent — all the way to the closing table.
60-sec score
Answers programs, income, credit range. No SSN, no pull.
Qualifies + routes
Scores against FHA/Conv/VA/USDA, flags missing docs, picks the right LO.
Warm handoff
LO arrives already knowing the file. RED chases docs in the background.
Close on time
Agent gets a truly qualified buyer. RED predicts delays through funding.
Programs you're considering, income, debts, credit range, property preference. No SSN, no credit pull, no signup wall.
RED evaluates you against every major program (FHA, Conventional, VA, USDA) using current agency guidelines — and shows you exactly where you land, rule by rule.
Upload W-2s, paystubs, tax returns, and bank statements to your private portal. RED parses them, extracts qualifying income and reserves, and updates your score in seconds.
One tap sends your Readiness Snapshot to a licensed Loan Officer. They arrive knowing your program, income, and gaps — no starting over.
Does this pull my credit?
No. The Readiness Score uses your self-reported credit range. A soft credit check is optional and only happens after you explicitly opt in.
Is this a real underwriting decision?
No — final eligibility is determined by a licensed lender after full underwriting. But the score is built on the same guidelines they use, so it's a real signal of where you stand.
What does it cost?
Nothing for buyers. Ever. Loan Officers and enterprises pay for the software.
Who sees my info?
Only you, and any Loan Officer you explicitly connect with via the 'Ask RED to hand to my LO' button. See our GLBA privacy notice for details.
Ready to see where you stand?
60 seconds. No credit pull. Free.