Your credit score is one of many things underwriters look at. This 2-minute assessment gives you an honest readiness grade across all the factors that actually move an approval.
Lenders use your middle score. Get from myFICO.com for accuracy — Credit Karma's VantageScore is different.
Total monthly debt payments ÷ gross monthly income. Include the projected mortgage payment.
"Reserves" = how many months of mortgage payments you have in savings after closing.
Lenders want to see stable funds. Large unexplained deposits must be "sourced."