Your path to homeownershipYou're not denied.
You're on a journey.
Told “not yet” by a lender? My Home Journey shows you exactly where you stand, gives you a personalized step-by-step plan, and keeps you connected to your loan officer — all the way to the keys in your hand.
- Know your mortgage scores
- Get your personalized plan
- Stay connected to your loan officer
Your Home JourneyExample
Mortgage score
641+28
Home-ready target
660
- Know
- Plan
- Improve (current step)
- Own
Know
your starting pointGet your
personalized planMake progress
every monthGet support
along the wayAchieve
homeownership
How it works
From not ready to home ready — in three steps.
No guesswork, no jargon. Just a clear path and someone walking it with you.
- 1
Enroll in HomeScoreIQ
Click Start My Home Journey and create your HomeScoreIQ account. That's where your mortgage scores live — and where your journey officially begins.
- 2
Get your personalized Home Journey
You'll receive a step-by-step readiness plan built around your own credit: what to pay down, what to leave alone, and what to do next — in plain English.
- 3
Reach your goals & get home
Track your progress month by month and stay connected to your loan officer. When you're ready to apply, they already know your story.
Take step one
You'll head to HomeScoreIQ to create your account — it takes a few minutes.
What you get
Everything you need to go from “not yet” to welcome home.
Know your mortgage scores
See where your credit stands from a mortgage lender's point of view — so there are no surprises when it's time to apply.
Get your personalized plan
A step-by-step plan built from your own credit report: what to pay down, what to leave alone, and what to do next.
Track your progress
Watch your scores and your plan update month after month. Every step you complete is progress you can see.
Stay connected to your loan officer
Your loan officer can follow your journey and step in with guidance — so when you're ready, they're ready too.
Achieve homeownership
The finish line isn't a number. It's keys in your hand — and everything here points at that door.
You're not just working toward a house.
You're building your future.
A mortgage isn't the end of the story — it's the start of the next chapter. The habits you build on this journey stay with you long after closing day.
Small steps today. A stronger tomorrow.
FAQ
Questions before you start?
What happens when I click Start My Home Journey?
You'll be taken to HomeScoreIQ to create your account. HomeScoreIQ is what powers your mortgage scores and your personalized plan; My Home Journey is the program that walks you through it, step by step.
I was told I don't qualify yet. Is this for me?
Yes — that's exactly who it's for. "Not yet" isn't "no." Your journey starts with a clear picture of where you stand and a plan for closing the gap, so the next conversation with a lender goes differently.
Is this a loan application?
No. Starting your journey doesn't apply you for a mortgage. It gets you a clear picture of where you stand and a plan to get ready — so when you do apply, you apply with confidence.
How long does it take to become home ready?
Every journey is different. Some people need a few focused months; others need longer. Your plan updates as your credit changes, so you always know your next step and how far you've come.
Do I need a loan officer already?
No. If you're already working with one, your journey keeps them in the loop on your progress. If you're not, your plan still gives you every step — and you'll know exactly where you stand when you're ready to talk to one.
Your future home is closer than you think.
Take the first step today. We'll walk the rest of the way with you.
One step closer to home.