H°METRY
MORTGAGE READINESS
Know Before
You Buy

Your personalized mortgage readiness score
and matched loan programs — in minutes.

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Why H°METRY?
3min
Average completion time
3
Loan programs compared
100%
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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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Let's Start
What's your first name?
So we can personalize your results.
First Name
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Application Type
Applying alone or with a co-borrower?
A co-borrower's income, debts, and credit score all affect your qualification.
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Credit Profile
What's your credit score?
Enter your score directly, or select a range if you're not sure.
FICO Score (300–850)
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Income
How are you employed?
This determines how we calculate your qualifying income.

💼 W-2 Income

Gross Monthly Income
$

📋 Schedule C — Sole Prop / 1099

We average your last 2 years of net profit:

Line 7
Line 28
Line 7
Line 28
Qualifying Monthly Income: —

🏢 S-Corp Owner

W-2 wages + ordinary income, averaged 2 years:

W-2 Box 5
K-1 Box 1
W-2 Box 5
K-1 Box 1
Qualifying Monthly Income: —

🤝 Partnership / Schedule E

Your share of partnership income, averaged 2 years:

Sch E Pg2 Col J
Sch E Pg2 Col J
Qualifying Monthly Income: —
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Debt
Monthly debt payments?
Add each debt individually, or enter a total. Do NOT include rent or mortgage.
Total Monthly Debts $0
OR ENTER TOTAL
$
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Target Home
Target home price?
Your best estimate is fine — this calculates your front-end ratio.
Purchase Price
$
Expected Interest Rate
%
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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.
$
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Eligibility
Veteran or active-duty?
VA loans offer zero down payment, no PMI, and no maximum DTI.
H°
Your Results
Readiness Score
0 OUT OF 100 — 0 100
Credit (35%)
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DTI (30%)
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Assets (20%)
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Front-End (15%)
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Score Breakdown

Back-End DTI
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Front-End Ratio
—
Monthly Income
—
Housing Payment
—
💾 Save Your Results
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H°METRY
Welcome back
Your Readiness Score
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Credit Tips
💳
Keep Utilization Below 30%
Utilization is 30% of your score. Paying below 30% of your limit can add 20–40 points quickly.
📅
Never Miss a Payment
Payment history is 35% of your score. Set autopay on every account at least 6 months before applying.
🚫
Avoid New Credit Accounts
Each hard inquiry can drop your score 5–10 points. Avoid new credit 6 months before your mortgage.
🏦
Build Your Reserves
Lenders want 2–6 months of payments in savings after closing. It signals stability and reduces your risk.
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 DTI reduction per dollar spent.
Current DTI
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Monthly Income
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Your Monthly Debts
Available Payoff Funds
$
Recommended Payoff Order
Current DTI
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New DTI
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Pmt Removed
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Funds Left
—
H°METRY
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✏️ 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?