What is a Loan Readiness Score?

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Cartoon design showing 5 people with one of them showing a thought bubble above their head that has a drawing of a house.

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!

Image showing the four pillars that populate the loan readiness score; debt-to-income, savings/down payment, credit, and documentation.

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.

Loan readiness score picture showing 84 points with a green plus 28 underneath to show improvement.

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. 

Click Here For Your FREE Consultation!
  • Marcus HollinsMarcus Hollins

    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! 🙏🏾

  • Lacey ThompsonLacey Thompson

    I have been working with UQUAL for a year now and service is consistently thorough. Today I had concerns and inquiries about my credit report, Christopher Ruby was extremely helpful and answered my questions one by one. He explained each situation and provided possible actions to take. I appreciated not feeling like my inquiries were meaningless, instead I was validated and educated. I learned a lot and ended the conversation feeling more confident. Again, thank you to Christopher Ruby. Your support was appreciated.

  • DeAngeloe WinderDeAngeloe Winder

    My experience with this program is going good thanks to my loan readiness coach Jason. He loves his job and wants the best for each client. His kindness, patience. and knowledge goes a long way. Ask for Jason even if its just to be more knowledgeable about how credit works. Thank you Jason

  • Kalan EvansKalan Evans

    Extremely happy with the results and partnering with UQUAL. Jason has been fantastic. This company is wonderful. This is not one of those. Give us a review before we do this service reviews. This is a review of me already paying for the service for months and being ecstatic with the results. The support team, the technology and the knowledge they pass on far exceed the investment. Big Love to the team over there at UQUAL. You guys are awesome.

  • Latosha EverettLatosha Everett

    I just started with Uqual and so far my experience has been great. I worked with Rashann Loftis and he was the best. He made sure to explain everything to us and offered suggestions to help increase our scores even more! Great customer service!!