MortgageReady – Mortgage readiness score in 5 minutes without a lender

Summary: MortgageReady calculates a 0-100 mortgage readiness score with a letter grade, compares Conventional, FHA, VA, and USDA loans, and provides cash-to-close estimates using live Freddie Mac rates. It uses the same calculations as a licensed mortgage loan officer and includes an AI advisor for questions, all without signup, credit checks, or sales calls.

What it does

MortgageReady evaluates income, debts, credit, and property data to generate a readiness score, loan comparisons, and exact cash-to-close amounts within five minutes.

Who it's for

It is designed for prospective borrowers seeking a clear mortgage qualification overview before contacting lenders.

Why it matters

It addresses common borrower uncertainties by providing detailed mortgage readiness information upfront without requiring personal commitments.