The Mortgage Readiness Tool A simple way to see where you stand today and how to build the future you want. Nest & Key Homebuyer Readiness Tool Timeline & intent Your timing matters. This helps us understand whether you’re preparing, planning, or ready to move soon. When would you love to be in your next home? Select the timeline that feels most true... 0–3 months 3–6 months 6–12 months 12+ months / just exploring Credit snapshot This doesn’t pull your credit. Just choose the range that feels closest to where you are today. What best describes your credit score range? Below 580 580–619 620–659 660–699 700–739 740+ Income snapshot Add each income source that shows up regularly. Use your ‘gross’ income. This is the amount before taxes and deductions. We’ll total everything so you can see your monthly income clearly. Income sources Include salary, hourly pay, self-employed income, commissions, bonuses, and any other steady income. + Add income source Total monthly income: $0 Monthly obligations List the minimum payment for the monthly debts you’re currently paying. We’ll use this to show a simple, educational DTI-style view. Monthly payments (minimum) Think auto loans, credit cards, student loans, or other regular payments. Minimum payments are enough. Type of payment Monthly amount + Add a monthly payment Total monthly payments: $0 Estimated simple DTI: — Savings & assets Capture the funds that could help you move into a home—today or over the next season. Available funds Include savings, checking, 401(k), IRA, brokerage, expected gift funds, or other resources you might tap. Type of asset Amount available + Add an asset Estimated total available funds: $0 Budget & comfort zone This is about a payment that lets you breathe—enjoying your life while still feeling on track. What monthly payment would feel comfortable for your housing cost? Choose a number that balances freedom and responsibility for you. How much could you intentionally set aside each month? Imagine focusing on this home goal. What amount feels realistic? Contact details We’ll use this to share your readiness snapshot and next steps. First Name * Last Name * Email * We’ll send your snapshot and a copy of your results here. Get My Readiness Score We’ll share your readiness score and a calm, step-by-step plan. No credit pull and no obligation—just clarity. Your readiness snapshot This is a high-level view of where you stand today—so you can see your next step with confidence. 0 / 100 Your next step These are invitations, not obligations. Choose the step that feels right for where you are today. Pillar-by-pillar snapshot Credit: Strong Income: Strong Assets: Strong This snapshot is meant to empower your next move — not judge your current one. This Homebuyer Readiness Tool is for educational purposes only and does not constitute a mortgage application or a commitment to lend. Results are estimates based on the information you provide and are not a credit decision or loan approval. Actual qualification depends on a full review of your credit, income, assets, and property details. Nest & Key Mortgage, LLC – NMLS #2713979. Equal Housing Opportunity. Want a personalized review of your readiness? We’ll help you understand exactly where you stand — no pressure, no hard credit pull. Request Review
