Your mortgage readiness,
in about three minutes.
H°METRY
Know exactly where you stand — no credit pull, no SSN, 100% free.
See exactly where
you stand.
74
Readiness Score
Almost Ready
Housing 29% · Total debt 38%
A clear 0–100 score, and what's holding it back.
Search any home.
See the real payment.
412 Oak Street
$340,000
$2,418/mo
Conventional FHA VA
Real monthly payments across Conventional, FHA & VA.
Get a plan to
close the gap.
✓
Raise score to 680
✓
Pay down $4,200 in debt
3
Save $8,500 for down payment
A personalized path to qualify for the home you want.
A local expert,
only when you want one.
°
Matched to your area
A licensed, NMLS-verified loan officer
✓ You decide if & when to connect
Explore your readiness picture privately. If you ever want expert help, we connect you with the licensed loan officer for your area — your move, your timing.
🔒 No credit pull · No SSN · No sales calls
H°METRY
Welcome
Let's see how mortgage‑ready you are.
H°METRY turns a few quick questions into a clear picture of where you stand today — and exactly what it takes to buy the home you want. It takes about three minutes.
🎯
Your Mortgage Readiness Score — a clear 0–100 view of where you stand
📋
A personalized action plan — what to improve to qualify
🏡
Real numbers — estimated payments across Conventional, FHA & VA
The more accurate your answers, the more accurate your results. Use your best estimates — nothing here is reported anywhere, and you can refine it anytime.
🔒 No credit pull required · 100% free · your information stays private
Mortgage Readiness
0
Score
Analyzing your profile…
Quick Calculator
Estimate
Monthly Payment
Enter your loan details for a quick estimate.
Home Price
$
Down Payment
$
Interest Rate
%
Loan Term
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estimated monthly P&I
Loan Amt
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Rate
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Term
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1 of 9
Let's Start
What's your first name?
So we can personalize your results.
First Name
2 of 9
Application Type
Are you buying alone or with someone else?
A co-borrower's income, debts, and credit score all affect your qualification.
3 of 9
Credit Profile
What's your credit score?
🔒 No credit pull · No SSN · Educational estimate
700
Good
300850
Not sure? Slide to your best guess — you can update it anytime.
4 of 9
Credit History
Any past credit events?
Some past credit events can affect mortgage qualification timelines. This helps H°METRY give you more accurate readiness guidance — it won't disqualify you.
Have you ever filed bankruptcy?
Which chapter did you file?
Is the bankruptcy still active?
How long have you been making bankruptcy payments?
Current monthly Chapter 13 payment
$
Enter the amount you're required to pay each month under your Chapter 13 repayment plan.
How long ago was the bankruptcy discharged?
Have you experienced a foreclosure or short sale?
Which did you experience?
How long ago was it completed?
5 of 9
Income
How are you employed?
This tells us how to calculate your qualifying income correctly.
5 of 9
Income · W-2 Employee
What is your total monthly income before taxes?
Include all regular income sources before taxes.
What should I include?
  • Employment income
  • VA disability benefits
  • Social Security (SSI / SSDI)
  • Retirement / pension income
  • Rental income
  • Regular bonus income
  • Other consistent income sources
Don't include one-time gifts, tax refunds, or irregular/temporary income.
H°METRY uses your total monthly income before taxes to estimate affordability and mortgage readiness.
Gross Monthly Income
$
5 of 9
Income · Self-Employed
What was your net profit last year?
From your most recent Schedule C, Line 31.
$
5 of 9
Income · Self-Employed
Your qualifying income
We average 2 years and add back non-cash deductions lenders typically allow.
$0
PER MONTH, 2-YEAR AVERAGE
This is an estimate for readiness purposes. Your loan officer will verify exact qualifying income from your full tax returns.
5 of 9
Income
How is your co-borrower employed?
This tells us how to calculate their qualifying income correctly.
5 of 9
Co-Borrower W-2 Income
Co-Borrower's Total Monthly Income Before Taxes
Include all regular income sources before taxes.
Gross Monthly Income
$
6 of 9
Debt
What monthly debts appear on your credit report?
Only include debts a lender would see on your credit report.
Include these
  • Auto loans
  • Student loans
  • Credit cards
  • Personal loans
  • Installment loans
Skip everyday bills — phone, utilities, insurance, groceries, and rent don't count toward debt-to-income.
Add your debts
💡 Listing them here pre-loads your Payoff Simulator later.
Total monthly debts $0
Prefer to estimate? Enter a monthly total instead
$
7 of 10
Your Profile
Let's Build Your Homebuying Profile
A few quick questions help us find the mortgage programs that may fit you best.
Are you a first-time homebuyer?
Have you served in the U.S. military?
🇺🇸 VA Loan Information
VA loans can offer powerful benefits, including 0% down for eligible borrowers. Your lender will verify final VA eligibility.
Are you eligible for a VA loan?
Is this your first VA home purchase?
Are you exempt from the VA Funding Fee?
Veterans receiving VA disability benefits and certain surviving spouses are often exempt from the VA funding fee.
8 of 10
Current Property
Do you currently own a home?
This helps H°METRY understand how your current property may affect your next home purchase.
What do you plan to do with your current home?
Current home details
Best estimates are fine. This is only used for a readiness estimate.
About how much is your current monthly mortgage payment?
$
About how much do you still owe on the home?
$
About what do you think the home is worth?
$
Estimated Equity $0
Choose what you plan to do with the home so H°METRY can treat the current payment correctly.
9 of 10
Target Home
Target home price?
Your best estimate is fine — this calculates your housing ratio.
Purchase Price
$
10 of 10
Assets
How much do you have saved?
Include checking, savings, and retirement (use 60% of retirement value). Closing costs are typically 2–3% of purchase price.
Total Verified Assets
$
Planned Down Payment
Select a down payment amount or enter a custom amount. Minimum Down picks the lowest amount based on your credit profile.
$
H°
Your Results
Readiness Score
0 OUT OF 100 — 0 100
Credit (35%)
—
Total debt ratio (30%)
—
Assets (20%)
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Housing ratio (15%)
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📧 Verify Your Email
Verify your email address to secure your account and receive important Hometry updates.
You can keep using Hometry while you verify.
°
★ Next step
Look up a property
See your real payment, loan options, and approval odds for any home.
Works with Conventional · FHA · VA

Score Breakdown

Total debt ratio
—
Housing ratio
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Monthly Income
—
Housing Payment
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💾 Save Your Results
Free account — come back anytime without re-entering
Dashboard
H°
H°METRY
Welcome back
Your Dashboard
—
—
Your mortgage readiness at a glance.
📧 Verify Your Email
Verify your email address to secure your account and receive important Hometry updates.
You can keep using Hometry while you verify.
Your next steps
Recently searched homes
Learn
Ready when you are

Talk to a loan officer

A licensed local officer can review your file and get you pre-approved — usually within 24 hours. No cost, no obligation.

Options
Manage your Hometry account, advisor connection, privacy, and support.
Account
Mortgage Advisor
Help & Legal
Account Management
Manage your Hometry profile, account access, and account deletion.

Your Account

These details are connected to your Hometry borrower profile.

Name
—
Email
—
Status
—

Saved Mortgage Profile

Your saved mortgage readiness information can be edited from your dashboard.

Readiness Score
—
Advisor
—
Advisor History
Your current advisor assignment and most recent connection details.
Mortgage Advisor
Your assigned Hometry mortgage professional and how to reach them.
Connect With a Loan Officer
Enter the ZIP code where you are looking to buy or refinance. Hometry will match you with the mortgage advisor assigned to that area.
Privacy Policy
Effective June 11, 2026
Hometry is an educational mortgage readiness and home affordability tool. It is not a lender, mortgage broker, creditor, or credit decisioning platform.

Information We Collect

Hometry may collect information you enter into the app, including name, email, phone number, homebuying details, estimated income, debts, assets, credit range, property search details, and mortgage readiness inputs.

How We Use Information

We use your information to calculate educational mortgage readiness estimates, save your profile, improve the app experience, display relevant loan officer contact options, and respond to support requests.

Loan Officer Connections

If you choose to contact a loan officer, Hometry may share the contact information and non-sensitive scenario details needed for that loan officer to respond. You control whether you submit a connection request.

What We Do Not Do

  • We do not make loan decisions.
  • We do not issue pre-approvals.
  • We do not pull credit inside this consumer app.
  • We do not guarantee loan eligibility, rates, terms, or approval.

Data Storage

Your account and saved profile information may be stored using secure third-party infrastructure such as Firebase. No system can be guaranteed completely secure, but we use reasonable safeguards for the type of information collected.

Support & Deletion Requests

You may contact us at support@hometry.app to request help, account deletion, or questions about your information.

Terms of Service
Effective June 11, 2026
By using Hometry, you understand that the app provides educational estimates only and is not a mortgage application, loan estimate, pre-approval, or credit decision.

Educational Tool Only

Hometry helps users explore mortgage readiness, estimated affordability, and possible loan scenarios. Results are estimates based on user-provided information and assumptions.

No Lending Decision

Hometry does not approve, deny, originate, broker, fund, or service mortgage loans. Only a licensed lender or mortgage professional can review documentation and provide actual loan terms or approval decisions.

User-Provided Information

You are responsible for the accuracy of the information you enter. Inaccurate or incomplete information may cause estimates to be incorrect.

Loan Officer Connections

If you submit a contact request, you authorize Hometry to send your contact information and limited scenario details to the loan officer shown in the app so they may contact you.

No Guarantee

Hometry does not guarantee approval, interest rates, payments, program eligibility, property eligibility, or loan terms.

Support

For questions, contact support@hometry.app.

About Hometry
Mortgage math made easier.

What Hometry Does

Hometry helps homebuyers understand mortgage readiness, estimate payments, compare common loan paths, and connect with a loan officer when they are ready for a real review.

What Hometry Does Not Do

Hometry is not a lender, mortgage broker, loan application, pre-approval, or credit decisioning tool.

📊
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Help Me Refinance
Refinance
Let's see if you can save
Enter your current loan details and we'll show you how much you could save by refinancing.
Current Loan Balance
$
Current Interest Rate
%
New Rate (Estimated)
%
Remaining Term
Debt Payoff Simulator
Add your debts below. We find the best payoff order to eliminate the biggest monthly payments first, maximizing your debt-ratio reduction per dollar spent.
Current ratio
—
Monthly Income
—
Your Monthly Debts
Available Payoff Funds
$
Recommended Payoff Order
We pay off the biggest payments first. Tap any debt to keep it out of the plan — handy for low-rate loans or to protect cash you need for closing.
Current ratio
—
New ratio
—
Pmt Removed
—
Funds Left
—
H°METRY
Property Search
Find your home match
Start typing any U.S. address to see suggestions, or type the full address and tap Search.
Create Account
💾
Save Your Results
Create a free account to save your score and come back anytime without re-entering your information.
First Name
Email Address
Password
Password must be at least 8 characters and include at least 1 number.
Confirm Password
or
Already have an account?
Verify Email
📬
Check Your Email
We sent a confirmation link to:
your email address
Tap the link in that email to verify your Hometry account. You can keep using Hometry now, but verifying helps protect your account and keeps future account emails reliable.

✏️ Edit My Profile

Updated Score
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—
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from current
Credit Score
FICO Score (300–850)
Income
Gross Monthly Income
$
Monthly Debts
Total Monthly Debt Payments
$
Target Home
Purchase Price
$
Interest Rate
%
Assets
Total Assets
$
Down Payment
$
VA Eligibility
Veteran / Active-Duty?