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 have had a positive experience with Chris, who has provided excellent advice. I feel confident and at ease working with this company, especially during challenging times. It's reassuring to see that, despite the difficulties people face, the human element remains strong. I believe this organization is effectively helping individuals fix their credit issues.
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!
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!
I’ve been a client now twice…first time the agent I spoke to did there job to assist me in improving my way of life. Today, April 25, 2025, I had the opportunity to speak with the most kind, understanding, and genuine women within a customer service roll. Alana not only went above and beyond to not only help with my account but she also showed compassion. We are living in a different time but when you interact with someone like Alana it makes you see and feel hope. Thank you for our conversation and all you did today, even just listening. Extremely Grateful! 🙏🏾