7
Factors Assessed
4 min
To Complete
0
Credit Pulls
100%
Free Forever
The Problem
Getting pre-approved doesn't mean you're ready.
A lender tells you what you qualify for. Nobody tells you what you can actually sustain. That gap is where buyer's remorse, payment stress, and forced sells come from.
64%
of homebuyers experience regret about their purchase within 5 years.
33%
say the biggest regret is taking on more than they could comfortably afford.
52%
of millennials have had to cut back spending significantly after closing.
What We Measure
7 factors that actually determine readiness.
Not just credit score. Not just income. A complete picture of whether you can buy and sustain a home with confidence.
Income Stability
How durable and predictable your income streams are over the next 2-3 years.
Liquidity Cushion
Months of reserves remaining after down payment and closing costs.
Debt Load
Your non-mortgage obligations relative to income and comfort.
Credit Profile
Payment history, utilization, and how actively you manage your score.
Behavioral Discipline
Whether your spending system supports a new mortgage payment.
Time Horizon
How long you plan to hold the property and absorb transaction costs.
Market Mindset
Whether your expectations align with reality or create decision paralysis.
Each factor is scored 1-5 and combined into a single readiness score.
See your breakdownHow It Works
Three steps to clarity.
Answer 7 Questions
Simple, focused questions about your financial situation and mindset. No account linking or credit pulls.
Get Your Score
Receive a 0-100 readiness score with a factor-by-factor breakdown showing exactly where you're strong and where to improve.
Know Your Next Move
See your readiness stage, from Foundation Builder to Closing-Ready, with tailored next moves. Optionally review your score with an advisor.
Your Result
See exactly where you stand on the path to homeownership.
Five stages from Foundation Builder to Closing-Ready. Each comes with tailored guidance, specific next moves, and a clear picture of what to focus on.
"I thought I was ready to buy. The assessment showed me two factors I'd completely overlooked. Saved me from a bad decision."
- Early Access User, Scottsdale AZ
Questions
Before you ask.
No. This assessment is entirely self-reported. We never pull your credit or access any financial accounts.
About 4 minutes. Seven focused questions, each with clear answer options. No typing required.
Only you. If you opt in to a score review, we'll share your results with an advisor to prep for your call.
You'll see your 0-100 score, your readiness stage (from Foundation Builder to Closing-Ready), a factor-by-factor breakdown, and specific next moves. You can optionally book a free review call.
House of Sull is a mortgage education brand. The assessment is a real diagnostic. If you want lending help, we'll connect you with our partner, but there's zero pressure.