How Ready Are You to Buy a Home?
Answer a few questions to better understand where you are in the home-buying process and what you may want to prepare before speaking with a mortgage professional.
It takes about a minute, there is no credit pull here and nothing to commit to. You’ll get a score out of 100, a plain read on where you stand in each area, and a short list of what would help next. Nothing here decides anything about a loan — that part is a conversation, and it is free.
- Seven quick questions, one minute
- No credit pull, no commitment
- Plain-language result, no jargon
- You talk to James, not a call center
What you’ll be asked
- 01When are you hoping to purchase?
- 02Spoken with a mortgage professional?
- 03How is your credit situation?
- 04How is your income situation?
- 05How long at your job?
- 06Where are your funds for purchasing?
- 07How are your monthly debts?
Check my readiness
Answer honestly. Nothing here decides anything.
There is no right answer and no failing grade. The only way to get a useful result is to tell it the truth about where you are right now.
Question 1 of 7
No credit check
When are you hoping to purchase?
A rough sense of it is fine. Nothing is locked in by answering.
Answer honestly — nothing here decides anything.
Before you start
Three things worth knowing about this page.
It takes about a minute
Seven quick questions, all of them answerable from memory. There is no right answer and no failing grade — the only way to get something useful out of it is to tell it the truth about where you are right now.
No credit pull, no commitment
Nothing is run against your credit, and nothing is signed. You are telling me a little about where you are so I can tell you something useful back.
It is education, not a decision
This page never approves or denies anyone. You get a score out of 100, a plain read on where you stand in each area, and a short list of what would help next. The actual review of your file is a conversation with me.
A different starting point
Already Talked to Another Lender?
Before you assume your financing options are exhausted, let us help you understand what questions to ask and whether a personalized review makes sense.
Being told no by one lender is not the same as being told no by every lender. Different programs, different requirements and different circumstances genuinely change the answer — and the most useful thing you can bring me is exactly what you were told, in whatever words you remember it.
- Understand the reason you were given, in plain language
- See whether a different program or approach fits your file
- Know which questions to ask before you apply anywhere else
- No pressure, and no cost to have the conversation
I can't determine through this chat whether another financing option will be available. James can review your circumstances and discuss what may be worth exploring.
What happens next
Your result is the beginning of a conversation, not the end of one.
I read every one of these myself. When we talk, I already know where you are — so we can skip the warm-up and get straight to what would actually help.
Call or text directly(313) 422-1327You answer seven quick questions
A minute, on your phone, from memory. Nothing is run against your credit, and nothing is submitted anywhere until you decide to send it to me.
You see your score and what it means
One number out of 100, a plain read on where you stand in each area, and a short list of what would help next — written the way I would say it to you on the phone. It is not a verdict, and it is not an approval or a denial.
James reviews it himself
Leave your details and I look at your answers before I call, so our first conversation starts from where you actually are instead of from the beginning.
You leave knowing something new
Whether that is a program you did not know existed, a specific thing to work on, or simply that you are closer than you assumed. There is no obligation attached to any of it.
My Loan Strategist is run personally by James Cox, The Loan Strategist. This page is educational and is not a commitment to lend. Actual eligibility, program requirements and pricing come from approved, current lending sources and are confirmed with James Cox personally.
James Cox, The Loan Strategist
A minute now beats another year of wondering.
Answer the questions and see exactly where you stand. If it turns out you’re not ready yet, you’ll still leave knowing what to work on — and that part is free either way.
Important
I can't determine through this chat whether another financing option will be available. James can review your circumstances and discuss what may be worth exploring.
The Mortgage Readiness Score on this page is educational only. It makes no lending decision, and nothing here approves or denies anyone. Results describe a preparation level and are not a lending decision. Serving Wayne, Oakland and Macomb counties.