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My Path to Homeownership

Six questions. One honest picture.

No Social Security number. No account numbers. No credit pull. Just enough to tell you what to work on and in what order.

Question 1 of 6

Are you currently renting or owning?

We never ask for Social Security numbers, account numbers or other sensitive information here. This assessment is educational only.

What happens with your answers

  • Nothing is stored or transmitted — the result is calculated in your browser.
  • You will see a recommended sequence, not a product pitch.
  • If you would rather talk it through, an advisor pathway is offered at the end.
  • This is educational. It is not loan approval, prequalification, preapproval or an offer of credit.

The roadmap

Not ready today doesn't mean not ready forever.

Most members arrive somewhere in the middle of this sequence. The point is to know which step is actually yours.

  1. Step 1

    Stabilize

    Income documented, spending predictable.

  2. Step 2

    Save

    Down payment and reserves with a target date.

  3. Step 3

    Repair credit

    Balances down, history lengthening.

  4. Step 4

    Reduce debt

    Debt-to-income inside program guidelines.

  5. Step 5

    Get preapproved

    Documentation ready, program selected.

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