Are You
Home Ready?
Before you start house-hunting, find out if you are financially and personally prepared. The Home Ready assessment evaluates three key areas to help you understand where you stand.
A multi-step assessment for homeownership readiness.
Home Ready is a structured assessment that evaluates your readiness to buy a home across three pillars: credit health, savings, and timeline. It is designed to give you a clear, honest picture of where you stand before you commit to one of the largest financial decisions of your life.
If you are ready, Home Ready connects you directly to VroomBrick’s platform to start your home search and save thousands with our 1% technology fee. If you are not quite there yet, it provides a clear path forward with specific steps to improve your position.
Who It’s For
Credit Union Members
Available as an exclusive benefit through participating credit unions like Chartway.
First-Time Buyers
Understand exactly what you need before entering the market for the first time.
General Consumers
Anyone considering a home purchase can use Home Ready to evaluate their readiness.
Credit. Savings. Timeline.
Credit Health
We evaluate your credit profile to determine lending readiness. This includes credit score assessment, debt-to-income analysis, and identification of any items that could affect your mortgage approval. If improvements are needed, we provide specific action steps.
Savings
We assess your financial reserves relative to your target home price. This covers down payment readiness, closing cost reserves, and emergency fund status. The goal is to ensure you are financially positioned to handle the full cost of homeownership.
Timeline
We align your homebuying goals with realistic market conditions. This includes evaluating your desired move-in date, local market trends, interest rate environment, and any life events that may affect your timing.
From assessment to homeownership.
If You Are Ready
Start your home search with VroomBrick.
You are connected directly to VroomBrick’s platform. We match you with a licensed closing attorney, showing agents, and lender partners. You search for homes, make offers, and close your purchase -- all for a 1% technology fee instead of the traditional 3% realtor commission.
If You Need More Time
Get a clear path forward.
Home Ready identifies exactly what you need to work on -- whether it is improving your credit score, building savings, or adjusting your timeline. For credit union members, this connects you with your CU’s financial counseling and lending resources.
The Home Ready Assessment
The interactive Home Ready assessment is currently being built. In the meantime, you can explore our savings calculator to see how much you could save with VroomBrick.
Try the Savings CalculatorHomeownership starts with knowing where you stand.
Whether you are ready now or need a few more months, Home Ready gives you the clarity to move forward with confidence.