Mortgage Credit Readiness Simulator
Answer a few questions about your credit profile. We will return a readiness tier, the biggest score drags on your file, the top actions to take before applying, and an estimated mortgage-score band. This is education, not a credit decision.
Your credit picture
Mortgage lenders use bands, not exact 3-digit numbers.
The combined balance across all your credit cards divided by the combined limit.
Settled or paid in full but still showing on your bureau report.
Active, not yet paid or settled.
Count credit applications, not soft pulls.
Approximate average age across all open accounts.
Readiness verdict
Ready
Your credit profile is in the mainstream pricing range and you are realistically mortgage-ready.
Estimated score band
680 to 699
Plausibly 660 to 679 or 700 to 719
Confidence
high9 of 9 inputs provided.
Top score drags
- 1
Credit-card utilization
Mortgage scoring is sensitive to revolving balances. High utilization on the date the bureau reports can quietly cost you a band.
- 2
Credit mix
A blend of revolving and installment credit can help marginally. Do not open accounts just to chase mix; let it mature.
- 3
Average account age
Older accounts demonstrate stability. Average age improves only with time and by keeping older lines open.
- 4
Recent hard inquiries
Recent applications signal new debt-seeking. Most lenders care about hard inquiries inside the last 12 months.
Recommended next steps
60 days is enough time to materially lower utilization and let one statement cycle reflect on-time payments. Avoid new applications in this window.
- 1
Get credit-card utilization under 30%, ideally under 10%
Pay revolving balances down before your statement closing date so the lower number is what the bureau reports. Try the Utilization Paydown Simulator to plan a credit-optimized order.
- 2
Let credit mix mature naturally
Do not open new accounts to chase mix. Mix matters far less than payment history and utilization for mortgage scoring.
- 3
Keep your oldest accounts open and active
Average account age only grows with time. Use older cards lightly and pay them in full so they stay reporting.
- 4
Pause new credit applications
Avoid opening new credit cards, financing furniture or a car, or co-signing for anyone until after your mortgage closes.
See pricing at this band
Open the Mortgage Credit Impact Simulator pre-filled at 680 to 699.
OpenPlan a card paydown
Utilization is one of your top drags. Use the Paydown Simulator to see the credit-optimized order.
OpenReady to talk it through?
Reach out and a loan officer will walk through your real credit picture, no score guesses.
Discuss Your ScenarioEducational estimate. Not a credit decision, not a loan offer, and not a rate quote. Lender pricing varies.
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Open calculatorFrequently asked questions
How long before a mortgage application should I clean up credit?
Related glossary terms
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See what moving up a credit-score band changes in rate, monthly payment, and lifetime interest.
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Find the exact qualifying score lenders will use from your three bureau scores (and your co-borrower's).
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Estimate how paying credit-card balances under common utilization thresholds may move your score band.
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