The Homeownership Readiness Checklist covers all 5 areas lenders evaluate — 22 items total — so you know exactly where you stand and what to fix before you apply.
- Credit — Score, utilization, and red flags that kill approvals
- Income & Employment — What lenders need to see and how to document it
- Savings & Down Payment — How much you actually need
- Debt Management — How to calculate your DTI and lower it
- Household Readiness — The stability lenders look for before saying yes
Every unchecked box is a specific action item — not a judgment, a direction.