Free · Private · No credit pull
Your Mortgage Readiness Report is the prequal before the prequal
See your finances the way a lender will, before a lender does. In minutes, know exactly where you stand, what's holding you back, and the precise steps to become approval-ready.
Mortgage Readiness Report
Your Private Snapshot
Almost mortgage-ready
2 quick wins could move you into the approval zone within 90 days.
- Credit postureStrong
- Debt-to-incomeImproving
- Savings & reservesOn track
- DocumentationNeeds prep
How it works
Three steps to total clarity
01
Answer a few questions
Tell us about your income, debts, and savings in plain language. It takes minutes, with no documents, no account linking required.
02
Get your readiness score
Our AI-powered engine evaluates your profile across the four pillars lenders actually check: credit posture, debt-to-income, reserves, and documentation.
03
Follow your action plan
Get specific, prioritized steps (pay down this card, gather that statement) with a realistic timeline to approval-ready.
What's inside
The four pillars lenders actually check
38% of applicants were denied for high debt-to-income (CFPB). Your report covers that, plus everything else on the underwriter's checklist.
Credit posture
How your payment history and credit profile read to an underwriter, and the fastest ways to strengthen them.
Debt-to-income
The #1 reason applications get denied. We calculate yours the way a lender would, including your future mortgage payment.
Savings & reserves
Down payment, closing costs, and the cash cushion lenders want to see after you close.
Documentation
Especially critical for self-employed buyers: tax returns, P&L statements, and bank statements, organized before anyone asks.
Built for buyers the system overlooks
Freelancers, entrepreneurs, gig workers, independent contractors, and first-time buyers: if your income doesn't fit neatly on a W-2, Revve was built for you.