Do you know your current credit score? *

No, I have no idea what it is

I have a rough idea but haven't checked recently

Yes, I know my exact score and monitor it regularly

Have you reviewed your full credit report in the last 12 months? *

No, I've never pulled my credit report

I pulled it once but not recently

Yes, I review it at least once a year and dispute errors

How would you describe your history of paying bills on time? *

I have frequent late payments or collections

Mostly on time but I've had a few late payments

I consistently pay on time — it's a priority for me

Do you currently track your monthly income and expenses? *

No, I don't track my spending at all

I have a general sense but nothing formal

Yes, I use a budget or app and review it regularly

How stable is your current income? *

It varies a lot — I'm not sure what I'll make month to month

Mostly stable with some variation

Very stable — I have consistent, predictable income

After paying all your bills and expenses each month, do you have money left over? *

No, I'm usually at zero or in the negative

Sometimes, but not consistently

Yes, I consistently have a surplus I can save or invest

How much have you saved toward a down payment or home purchase costs? *

Nothing yet — I haven't started saving for this

I've started but I'm not sure if it's enough

I have a specific target and I'm actively saving toward it

Do you have an emergency fund (3–6 months of expenses)? *

No, I don't have any emergency savings

I have some savings but less than 3 months of expenses

Yes, I have 3 or more months of expenses saved

Do you have a dedicated savings account separate from your everyday checking? *

No, everything is in one account

I have a separate account but I don't contribute to it consistently

Yes, I have separate accounts and automate my savings

Do you know your debt-to-income (DTI) ratio? *

No, I don't know what that is or what mine is

I've heard of it but haven't calculated mine

Yes, I know my DTI and I'm actively managing it

How would you describe your current credit card and consumer debt? *

I carry high balances and struggle to pay more than the minimum

I have some debt but I'm making progress paying it down

Minimal or no consumer debt — I pay balances off monthly

Do you have a plan to address any outstanding debt before buying a home? *

No plan yet — I'm not sure where to start

I have some ideas but nothing structured

Yes, I have a written debt payoff strategy I'm following

When do you realistically see yourself purchasing a home? *

3 or more years from now

Within the next 1–2 years

Within the next 12 months

How confident do you feel about navigating the home buying process? *

Not at all — it feels overwhelming and confusing

Somewhat — I understand the basics but have a lot of gaps

Very confident — I understand the steps and know what I need

Have you taken any intentional steps to improve your financial health in the last 6 months? *

No, I haven't taken any specific steps yet

A few steps, but nothing consistent or structured

Yes, I've been actively working on my finances with clear goals