The Biannca Davis Collective · Free Assessment

NC Mortgage Readiness Score

Lenders score you on five things. This walks you through each one, scores you honestly, and tells you exactly how far you really are from buying — and what to fix first.

10 questions · ~4 minutes · NC market context

START HERE

Do you want to buy a home, but you're not 100% sure you'd qualify right now?

Yes — that's me I'm just exploring

Axis 1 · Credit Score

What's your current FICO score range?

Under 620 620–680 680–740 740+

Any negative reporting events in the last 12 months?

Late payments, collections, or charge-offs.

Yes No

Axis 2 · Debt-to-Income

Roughly what's your monthly debt payment?

Credit cards + loans — not rent.

$0–$200 $200–$600 $600–$1,200 $1,200+

Is your monthly debt under about one-third of your gross monthly income?

Under 36% (debt-to-income) is "green" for most NC lenders.

Yes Not sure No

Axis 3 · Employment

How long with your current employer?

0–12 months 1–2 years 2+ years

How are you paid?

Some NC lenders look harder at 1099 / self-employed under the 2-year mark.

W-2 employee A mix 1099 / self-employed

Axis 4 · Down Payment

Do you have roughly 3–10% of your target price available?

Cash on hand plus any 401(k) you could borrow against.

Yes Some of it Not yet

Will you need closing-cost help?

NCHFA grants, seller credit, or lender credit.

No Not sure Yes

Axis 5 · Report Red Flags

Any collections, charge-offs, bankruptcies, or foreclosures in the last 7 years?

Yes No

Q10

Any active disputes on your report right now?

Active disputes pause underwriting — lenders won't move until they clear.

Yes No

See your Mortgage Readiness tier

We'll show your tier right here and email you the full breakdown — your greens, what to fix first, and your realistic timeline.

Your Result

—

Book your call — right here

Want the deeper guide? Read the full NC Mortgage Readiness breakdown.