BuyerBlueprint HQ™ — Homeownership Score

Before You Begin

BuyerBlueprint HQ™ works best when your answers reflect where you truly are today. There’s no benefit to choosing the answer that gives you the highest score.

Be honest with yourself — your real starting point is what helps us build the most useful plan.

Your Homeownership Score is not a pass/fail grade. It’s simply a tool to help identify what’s already working and what may need attention next.

Would an unexpected expense completely erase your homebuying savings?

Choose the answer that best reflects your current cushion.

No. I have a separate emergency cushion in addition to my homebuying savings.

It would reduce my savings, but I would still have some homebuying funds left.

It would use most of what I have saved for homeownership.

Yes, or I do not currently have an emergency cushion separate from homebuying savings.

While preparing to buy, how are you handling new debt or major financed purchases?

Choose the answer that best describes your current approach.

I am keeping my debt stable and avoiding major new financed purchases.

I may make a purchase, but I plan to check how it could affect my homebuying plan first.

I recently added debt or may make a major financed purchase soon.

I am taking on new debt without considering how it could affect my homebuying plan.

Are you aware of any recent credit events that may need review before you speak with a lender?

Examples could include late payments, collections, charge-offs, bankruptcy, or other recent credit changes.

I am not aware of any recent credit events that need attention.

I had an issue, but I understand it and know what I need to do next.

There may be one or more issues that I still need help reviewing.

I am not sure whether any recent credit events need attention.

Do you currently have money set aside specifically for a home purchase and related costs?

Think beyond a down payment; buying a home can involve several upfront and moving-related expenses.

Yes. I have dedicated homebuying savings and I am continuing to build them.

Yes. I have started saving and am making steady progress.

I have a small amount set aside, but I do not have a consistent savings plan yet.

I have not started setting aside money for a home purchase yet.

How familiar are you with your current credit situation and anything that may need attention?

Choose the answer that best describes where you are today.

I reviewed it recently and I know what, if anything, needs attention.

I have a general idea, but I still need to review some details.

I have not reviewed it recently and I am unsure where I stand.

I do not know my current credit situation yet.

Do you have a realistic purchase timeframe and understand the major steps from preparation to preapproval to closing?

Choose the answer that best describes your current level of planning.

Yes. I have a realistic timeframe and understand the major steps.

I have a timeframe in mind, but I still need clarity on parts of the process.

I want to buy, but my timeframe is still uncertain and I need more guidance.

I do not have a timeframe yet and I am not sure where to start.

How prepared are you to provide recent income and tax-related records if a lender requests them?

Do not upload documents here; this question is only about whether you can access them.

I can readily access the records I would likely need.

I can access most of them, but I may need to locate one or two items.

Several records would take time for me to gather.

I am not sure what records I would need or how to access them.

Could you gather common lender-requested records without a major delay?

Examples may include identification, income records, tax-related records, and account statements.

Yes. My records are organized and I could gather them quickly.

Mostly. I could gather most records within a few days.

It would take me some time to locate several records.

I am not sure what records I would need or where to find them.

How well do you know your approximate monthly debt obligations?

Think about recurring debts such as loans, credit cards, and other financed obligations.

I know my monthly debt obligations and keep track of them.

I know the approximate total, but I may need to confirm a few amounts.

I know some of my monthly debts, but not the full picture.

I do not know my approximate monthly debt obligations yet.

How would you describe the stability and documentability of your current income?

Think about whether your income is reasonably consistent and can be supported with records.

My income is stable and I can document it.

My income is generally stable, although some of it may vary.

My income or employment changed recently, or documentation may take extra work.

My income is currently difficult to document or I am unsure what records I could provide.