Interactive tool

Mortgage readiness check

Name: 18 Holes to Home
Address: 11901 NE Village Plaza, Suite 271, Kirkland, WA, 98034, US
Price range: Free

Soft self-assessment of credit, employment, debt-to-income, and savings. Use it to decide whether to apply now, prep first, or bring questions to a planning session.

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Soft check, no credit pull

No credit pull, no signup.

Self-report and see where you stand.

Apply or prep?

Get a clear go / wait answer.

Three statuses with concrete next steps.

PNW-tuned

Tuned for PNW housing budgets.

43% DTI, 6.5% rate, real conventional/FHA thresholds.

Readiness check

Run your numbers.

Free, no signup required

Annual income$120,000

Monthly debt payments$500

Down payment savings$40,000

Credit score range

Employment

This is a soft self-assessment, not a or formal . Use it as a starting point. A planning session or secure lender application can be the next step when you choose it.

Could go either way

You're close — a round can map the cleanest path.

One or two factors need a closer look, but you're in workable range. The round can sort which loan products fit and what to tighten before formally applying.

Next steps

Book a free round — we can map FHA / co-borrower / down-payment-assistance options against your specific numbers.

Rough buying range (43% , 6.5% rate)

5% down

$539,227

10% down

$569,184

20% down

$640,333

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Next step

Use the scenario, then bring it into the round.

These calculators are planning tools, not lender quotes. Use them to get sharper questions and more useful next moves.

Take the quiz Guide library Put these tools to work — book a round