What is a Loan Readiness Score?

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.”

We achieve this by focusing on the 4 pillars that make up Loan Readiness Score!

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.

Terry Vazquez
Desiree was spectacular! She showed me how to continue to raise my credit score as well as helped me to access some features with UQUAL I didn't know I had! So grateful to have helpful, informative people like Desiree to ensure I get the best quality service at UQUAL.
Matthew Padilla
Michelle has been nothing short of exceptional throughout my entire loan readiness journey. She’s consistently gone above and beyond—always ready with valuable insights, up-to-date information, and clear, detailed explanations that made even the most complex concepts easy to understand. Her guidance has empowered me to make confident financial decisions and feel truly prepared for each step of the process.

What sets Michelle apart is not just her knowledge, but her patience, professionalism, and genuine commitment to helping others succeed. She’s approachable, thorough, and clearly passionate about what she does.

I highly recommend Michelle to anyone serious about improving their financial readiness. She’s truly a game-changer.
Alicia Martin
Jason was absolutely amazing to work with! From start to finish, he was professional, patient, and extremely knowledgeable. He took the time to walk me through each part of the process, making sure I understood everything clearly. What stood out most was how he provided personalized advice tailored to my specific credit situation—something you don’t always get. Jason made me feel seen and supported, and for the first time in a long time, I truly believe my financial goals are within reach. He even offered to follow up and encouraged me to reach out directly with any questions. Highly recommend working with him!
Brian Jewett
Coach Megan has been super helpful and always works with me to get things right. I’ve used some really shady credit repair companies in the past (Ahem… Lexington Law) and the service and results I’ve gotten from UQUAL has been night and day by comparison. Highly recommended.
Paige N
Rashann was great! He handled my questions very well and sent me the info i requested, and also gave me an update on my progress so far. I am super excited and really appreciate the help. I am very busy, but he made the call go smoothly and quick. Definitely appreciate that.