Homebuyer Readiness Quiz

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Question 1 of 10

What's your best guess at your current credit score?

If you're not sure, pick the range that feels right. We're not pulling anything.

740 or higher

680 - 739

620 - 679

580 - 619

Below 580

I have no idea

Have you looked at your credit report in the last 12 months?

Yes, I've looked at the full report and I know what's on it

I've seen a score (Credit Karma, my bank app, etc.) but not the full report

No, I haven't checked

I don't really know what a credit report is

Roughly how much do you have saved that you could put toward buying a home?

This includes down payment, closing costs, and your reserve. Not your 401k.

$40,000+

$20,000 - $39,999

$10,000 - $19,999

$3,000 - $9,999

Less than $3,000

Nothing saved yet

How much are you adding to that savings each month right now?

$1,000 or more per month

$500 - $999 per month

$200 - $499 per month

Less than $200 per month

Nothing right now

I'm actually drawing down savings

Other than rent, how much of your monthly income goes to debt payments? (car, student loans, credit card minimums)

Nothing. I have no monthly debt payments

Less than 10% of my take-home pay

10% - 25% of my take-home pay

25% - 40% of my take-home pay

More than 40%

I don't know. I'd have to add it up

Do you carry a credit card balance from month to month?

Never. I pay the full balance every month

Sometimes. Once or twice a year

Often. Most months

I'm behind on at least one card right now

I don't use credit cards

How long have you been at your current job (or current income source)?

2+ years

1 - 2 years

6 - 12 months

Less than 6 months

Between jobs right now

How are you paid?

W-2 employee, salary or hourly

Mostly W-2, with some 1099/side income

1099 or self-employed, 2+ years of tax returns

1099 or self-employed, less than 2 years

Other (commission-only, gig only, between jobs)

When do you ideally want to be in your first Orlando home?

Within the next 30 days

1 - 3 months from now

3 - 6 months from now

6 - 12 months from now

1 - 2 years from now

Just exploring, no timeline

Have you talked to a lender yet?

Yes. I have a pre-approval letter in hand

Yes. I've spoken with one but no letter yet

No, but I have a lender in mind

No, but I understand the process and know what to do next

No, and I wouldn't know where to start

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This quiz provides general first-time homebuyer readiness guidance for educational purposes only and does not constitute professional real estate, financial, mortgage, or legal advice. Answers are self-reported and not verified; no credit check is performed. Eligibility, loan terms, and market conditions change frequently. For personalized guidance, please contact me directly.

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axel@axelrivera.com

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Axel Rivera, REALTOR^®

License #: SL3646115

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Information provided is for general informational purposes only and should not be considered as professional advice. Please contact me directly to discuss your specific real estate needs.