Loan Readiness & Refinance Eligibility Checker
Audit your credit score, DTI ratio, and loan readiness against Fannie Mae, FHA, and SBA guidelines to see if you qualify for refinancing or a business loan right now.
Answer 8 quick questions about your credit score, debts, and work history to evaluate your exact loan readiness and pinpoint any eligibility blockers before you apply.
Different loan products enforce distinct credit score and DTI underwriting thresholds.
Enter your official FICO score from your credit report or bank app.
Include credit cards, auto loans, personal debt, and your target housing or business loan payment.
The percentage of total credit limit currently used across all credit cards.
Select yes if any late payment, collection, or charge-off occurred in the past year.
Underwriters require verifiable tax history in the same industry or employment track.
Select yes if a major derogatory event occurred within the past 3 to 7 years.
Months of principal, interest, taxes, insurance (PITI) or business operational expenses in savings.
Your credit profile and debt metrics meet standard agency requirements. You are well-positioned for automated approval with favorable interest rates.
What to fix (2)
FICO score qualifies for prime interest rates (740+)
MajorLenders apply mandatory Loan-Level Price Adjustments (LLPAs); scores below 740 face higher interest rates that offset refinancing savings.
Fix: Raise your score to 740+ by reducing reported card balances to near zero and avoiding new hard credit inquiries for 6 months.
At least 2 years of continuous self-employment or business operations
MajorSBA guidelines (SOP 50 10) and Fannie Mae underwriting mandate 2 full tax years of documented earnings stability in the same line of business.
Fix: Assemble 2 full consecutive years of filed tax returns (1040s with Schedule C or corporate W-2s) showing continuous revenue.
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