How long have you been thinking about buying a home?

Just started exploring. No rush

A few months and I'm getting serious

I'm ready and want to move within 3–6 months

I need to move as soon as possible

Do you have a sense of your credit score?

580 or below

580–619

620–679

680 or above

Have you saved anything for a down payment or closing costs?

Not yet. Still working on it

A little, but I'm not sure if it's enough

Yes, I have 3–10% of a purchase price saved

I have 10% or more ready to go

How stable is your income or employment situation?

Self-employed or freelance

Recently started a new job

Stable for 1–2 years at same employer

Very stable. 2+ years with consistent income

Do you have any existing debts (car loans, student loans, credit cards)?

Yes, quite a bit. It feels like a lot

Some, but I manage it okay

Minimal debt, mostly manageable

Little to no debt

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