Your credit score is one of many things underwriters look at. This 2-minute assessment gives you an honest readiness grade across all the factors that actually move an approval.
Lenders pull all three bureaus and use your middle score, usually a Classic FICO (FICO 2, 4 and 5). Since September 2026, some may use VantageScore 4.0 instead. myFICO.com's paid plans show the mortgage FICO versions — Credit Karma's VantageScore 3.0 is different.
Total monthly debt payments ÷ gross monthly income. Include the projected mortgage payment.
"Reserves" = how many months of mortgage payments you have in savings after closing.
Lenders want to see stable funds. Large unexplained deposits must be "sourced."