i.
Income
What lenders will count
- Salary, hourly, bonus, commission — each verified differently
- Self-employment — two-year average, most of the time
- Side income — how much counts, and how little, sometimes
Income
Credit
Assets
1 of 10
The three pillars
Every mortgage is decided on three variables.
ii.
Credit
Score + debt-to-income
- FICO tier — determines rate, sometimes program eligibility
- DTI ratio — the invisible gate most buyers fail
- Recent derogatory items and how fixable they are
iii.
Assets
Down payment, closing, reserves
- Sourcing, seasoning, gift funds — the paper trail
- Reserves — what lenders like seeing post-close
- 57+ DPA programs that can fill the gap
How it works
Answer. Score. See the path.
01
Answer twelve questions
Honest estimates are fine. We’re sizing up your file, not underwriting it.
~5 minutes
02
Get a pillar score
Each pillar is graded independently — so you see exactly where your file is strong and where it’s thin.
Instant
03
See the path
Matched programs, DPA candidates, and an honest next-step list — all yours to walk away with.
No pressure to talk to anyone
What honest looks like
Three kinds of answers.
Not everyone is ready. That’s not a failure — it’s information. Here’s what you’ll see, and what each one means for your next move.
Ready now
Pre-approval next
All three pillars clear. Time to talk to a vetted loan officer and convert readiness into a letter.
Next move
Book a consultation — free, no obligation.
Close — weeks away
Targeted work
One pillar is borderline. A focused 30–90 day plan usually gets you over the line.
Next move
We’ll send your specific punch list.
Not yet — and that’s fine
The plan, not the pitch
The numbers don’t line up today. No one should push you into a loan that doesn’t fit your life.
Next move
A HUD-counselor referral and a realistic roadmap.
Privacy
Your info isn’t the product.
No credit pull
Zero impact on your score. We work off your self-reported estimates.
No SSN, no bank login
We don’t ask. You don’t give. That’s a pre-approval conversation, not this.
No lead-seller nonsense
AMLO does not sell contact info to third parties. Introductions only happen when you request them.
You can opt out at any time
Delete your file, unsubscribe, walk away. Zero friction.
You are on step 3 of 4 · Qualify
You've scored yourself across Income, Credit, and Assets.
Next up: The lender comes later.
Keep the momentum. Step 4 · Connect picks up exactly where this page leaves off — still free, still no credit pull, still no sales call.