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Financial readiness center

Get your money ready before you shop

Credit, debt-to-income, savings and the true cost of ownership — explained plainly, with tools that show your real numbers.

Chapters

Save your takeaways and action items inside each chapter, download any single chapter as a printable handout, or grab the full pack with every chapter and checklist.

My notebook

Everything you saved across chapters, in one place — print it or export a CSV to work the list.

My notes & action items

Open any chapter above and use the “My takeaways & action items” panel. Everything you save shows up here, and you can print it or export a CSV to work through later.

Need to raise your score first?
The Credit Repair Center walks through what moves a score inside a mortgage timeline, includes a utilization paydown planner, and connects you to SmartScore Credit Solutions for DIY or done-for-you help.
Open the Credit Repair Center

Working checklists

Progress saves on this device and will sync to your account once sign-in is enabled. Each checklist can be downloaded as a printable sheet.

Credit preparation checklist

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Financial readiness checklist

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What this means
  • Your credit, DTI and reserves determine which doors open. Improving any one of them widens your options more than shopping for a slightly better rate.
What to do next
  • Run the DTI and affordability calculators with real numbers.
  • Start a 90-day credit action plan today.
  • Open a separate savings account for closing costs.
Questions to ask
  • What credit score do you use for this program?
  • What DTI limit applies to my scenario?
  • How many months of reserves do you require?
Documents to gather
  • Credit reports
  • Pay stubs
  • W-2s and tax returns
  • Bank statements
  • Debt statements
Ask Dirt to Dream