How ready are you to buy your first home?
Six questions on credit, savings, income stability, debts, timeline, and clarity — get a 0-100 readiness score and a plain-language plan for buying your first Southern California home. Free, bilingual, and no sign-up.
Common questions
How do I know if I'm ready to buy a house?
It comes down to a handful of things: your credit, your savings, how steady your income is, your existing debts, your timeline, and how clear you are on where and what you want to buy. This quiz scores all six and tells you which are already strong and which to work on.
What credit score do I need to buy a home?
There's no single cutoff. Some programs work with scores in the low 600s, and a higher score usually means a better rate. The quiz weighs your credit alongside everything else, and Miguel can tell you exactly what your number opens up — no credit pull to start.
How much do I need saved to buy?
Less than most people assume. Some loans allow 3% down, and down-payment assistance can cover part or all of that. The quiz factors in whether you'd use assistance so your score reflects your real situation.
Is the readiness score an approval?
No. It's a free planning tool, not a loan decision or a promise of any outcome. For a real approval, the next step is a pre-approval, which Miguel can walk you through at no cost.