Homebuyer Journey

Know your numbers, protect your profile, and count down to mortgage-ready. Everything here is educational — your lender confirms the real requirements.

Adapted from: “From Denied to Deeded” (17 pp.) · “The 90-Day Mortgage-Ready Countdown” (11 pp.)

Your three scores

Scores range 300–850. Enter all three to see your middle score.

Experian

Equifax

TransUnion

Date pulled

Score model / source label

Middle score

642

Middle of three

Lender target

—

Enter the target your lender confirms

Gap to target

—

Loan type you're exploring

FHA minimum score — confirmed with lender

Consumer app scores are educational and may differ from the mortgage-specific scores a lender pulls. Requirements vary by lender and change over time, so this app doesn't hardcode any.

Add a co-borrower (workbook illustration)

Mortgage debt-to-income

(Monthly debt payments + proposed all-in housing) ÷ GROSS monthly income

Monthly debts

$435

From your debt list — excludes current rent

Proposed all-in housing (PITI + HOA)

Gross monthly

$5,000

Edit in My Clarity → Income

DTI

37.7%

Lender's max DTI (confirmed)

Your current rent is not added — the new housing payment replaces it, so it isn't counted twice.

The 90-day mortgage-ready countdown

Milestones are DAYS REMAINING until your target date.

Start date

Target date

2027-01-18

Start + 90 calendar days

Days remaining

Day 90
2026-10-20
Review reports, scores & disputes
Day 60
2026-11-19
Pay down cards, protect payments
Day 30
2026-12-19
Confirm scores, balances & documents
Day 0
2027-01-18
Compare lenders & apply

Account nickname	Bureau(s)	Issue	Date	Status	Result	Actions
Account nickname (row 1)	Bureau(s) (row 1)	Issue (row 1)	Date (row 1)	Status (row 1)	Result (row 1)

Manual log only. Use a nickname — never enter account numbers.

Days left	Date	Experian	Equifax	TransUnion	Middle	Utilization %
Day 90	2026-10-20	ex at day 90	eq at day 90	tu at day 90	642	Utilization at day 90 %
Day 75	2026-11-04	ex at day 75	eq at day 75	tu at day 75	651	Utilization at day 75 %
Day 60	2026-11-19	ex at day 60	eq at day 60	tu at day 60	—	Utilization at day 60 %
Day 45	2026-12-04	ex at day 45	eq at day 45	tu at day 45	—	Utilization at day 45 %
Day 30	2026-12-19	ex at day 30	eq at day 30	tu at day 30	—	Utilization at day 30 %
Day 15	2027-01-03	ex at day 15	eq at day 15	tu at day 15	—	Utilization at day 15 %
Day 0	2027-01-18	ex at day 0	eq at day 0	tu at day 0	—	Utilization at day 0 %

Today's card utilization from your debt list: 39.7%

Homebuyer Journey

Your three scores

Mortgage debt-to-income

5 moves to make

10 readiness checks

The 90-day mortgage-ready countdown