We know that everything that UQUAL can do to help can sometimes be confusing, so we wanted to tell you everything you need to know, so you understand exactly why UQUAL is the best path forward!
At UQUAL our main goal is to have you hear the words “You Qualify.”
What is a Loan Readiness Score?! Get ready because we’re about to BLOW your mind with some information about our Loan Readiness Score and how it is SO much better than just a credit score!
This is called our “Loan Readiness Score” or LRS.
Why is this better than just a Credit Score?
It’s not JUST about credit score. There is far more that goes into qualifying your clients for a home loan.
How is this calculated?
The Loan Readiness Score is broken down into four sections below.
1. Down Payment (30%)
2. Debt to Income (30%)
3. Credit Score (30%)
4. Documents uploaded (10%)
What score indicates you’re ready to move forward with your loan?
Our algorithm is constantly improving; we’re looking for 85+, sometimes higher depending on your situation.
This is a QUICK indicator to tell you where you are on your Loan Readiness Journey. As always, we’re to help you every step of way to ensure you stay on the path to Loan Readiness.
Thank you so much Desiree Dallas! Desiree was amazing to work with she was extremely helpful, professional, and patient and extremely knowledgeable. Desiree made it easy for me to understand the service. She took the time to walk me through each part of the process making sure I understood everything clearly. Desiree even encouraged me to follow up and reach out directly. I highly recommend working with her. Thank you very much Desiree!!
I LOVE THIS COMPANY! No gimmicks, no quick fast credit rush, that only later crashes down the road due to lack of wisdom . My credit score has improved tremendously along with my Financial knowledge Thanks to Mr Chris Ruby who was like a Financial Angel to me, I understand money life vs the credit world. What’s important vs what’s important. Thank you! I’m so much closer to not only where I want to be, but where I should be. Money well spent, if i may say so myself.
UQUAL has been a life saver so far, after bringing my credit back up nearly 65 points! They have been extremely informative and persistent in getting me in the range I need to purchase my first house. Desiree Dallas broke down step by step on how we will improve my score, which I appreciated because I was never left in the dark about the process. I would highly recommend if you want to get a higher credit score & learn how to keep it high.
I had an amazing experience working with my Uqual representative! From the very beginning, they were patient, professional, and incredibly knowledgeable. They took the time to explain every step of the process, answered all of my questions, and made me feel supported the entire way.
What really stood out was their responsiveness and attention to detail—they didn’t just treat me like another number. They made me feel like a priority and truly cared about helping me succeed. I can honestly say they made a stressful process feel smooth and manageable.
I had the pleasure of working with Megan as my Loan Readiness Coach, and I can’t say enough good things about the experience. From the very beginning, she was not only professional and knowledgeable, but also incredibly patient, clear, and supportive throughout the entire process.
She took the time to break everything down step by step, answered all my questions, and truly helped me understand what I needed to feel confident and prepared. Her guidance made a process that can often feel overwhelming feel completely manageable.
Megan genuinely cares about helping people succeed — and it shows. If you’re looking for someone to help you navigate loan readiness with clarity and encouragement, she’s absolutely the one to go to.
Thank you again, Megan — I really appreciate all your help!