CredPath gives buyers, realtors, and loan officers an instant mortgage readiness rating — powered by a soft credit check that won't affect your score.
No hard inquiry. No damage to your credit. Just a clear picture of where you stand before you apply.
Enter basic info and authorize a soft credit inquiry. Completely invisible to lenders and zero impact to your credit score.
We evaluate credit score, DTI ratio, payment history, credit age, and derogatory marks — plus your income for a complete picture.
Get a CredPath Score (0–100), estimated home price range, likely loan programs, and a shareable report for your realtor or lender.
Every score comes with a personalized action plan so you always know exactly what to do next.
One platform — three powerful perspectives on buyer readiness.
Know exactly where you stand before talking to a lender. Stop guessing, start planning.
Pre-qualify your leads smarter. Show clients only homes within reach and close faster.
Identify prospects earlier. Avoid costly pulls on unqualified applicants.
Share a custom link with every buyer. When they complete the check, you'll receive their readiness report automatically.
Share this link with your buyers:
💬 Text buyers: "Before we start, take 60 seconds to check your home buying readiness here. It won't affect your credit."
During our pilot, the check is completely free. Takes less than 60 seconds and won't affect your credit.
No credit impact · Secure & encrypted · FCRA compliant
Soft credit check only — no impact to your score
You can check for free on Credit Karma or your bank app. This helps us give you a more accurate readiness score.
Include: car payments, student loans, minimum credit card payments. Do NOT include rent or utilities.
Results are for informational purposes only and do not constitute a loan offer or approval.
CredPath is a pilot program. Results are informational only and do not constitute a loan offer,
pre-approval, or guarantee of financing. Not a lender or broker.