Live: 30-Year Fixed at 6.22% — Lowest Since 2022

Your Homebuyer Readiness Score

Rates just dropped to their lowest point in 3 years. Millions of buyers are re-entering the market. Are you actually ready?

5-minute assessment. Free score. No credit pull. No spam.

Get Your Free Score See how it works
74 B+

Sample Score

Almost Ready to Buy

Your credit is strong, but closing the $12,000 down payment gap could unlock an additional $47K in buying power.

14,200+

Scores Generated

4.9★

User Rating

5 min

Average Completion

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Simple Process

Your Score in 3 Steps

No credit pull. No registration required. No salespeople. Just honest data about your homebuying readiness.

1

Answer Questions

20 quick questions about your income, savings, credit range, target area, and timeline. No personal data required. Takes about 5 minutes.

Most Popular
2

Get Your Score

Our AI scores you across 5 key dimensions (0–100) and gives you an overall letter grade. Instant results, plain-English verdict.

3

Get Your Plan

Receive a personalized action plan ranked by impact. Specific dollar amounts. Real timelines. Optional: get matched with a vetted local lender.

5 Dimensions

What We Score You On

Unlike a generic calculator, RateUnlocked scores you across five dimensions that actually determine whether now is the right time for you to buy.

Financial Readiness
82/100

Income stability, debt-to-income ratio, monthly budget fit

Market Timing
91/100

Rate environment, local inventory, seasonal timing, your city's market heat

Down Payment Gap
58/100

Savings vs target, time to close the gap, DPA program eligibility

Credit Positioning
78/100

Credit score range, utilization, derogatory marks, score improvement path

Rate Lock Opportunity
88/100

Current rate vs your break-even, rate trajectory, lock vs float analysis

RateUnlocked Score

Sarah M. — Austin, TX

74

B+

Almost Ready — 1 Key Gap to Close

Top Action Items

1

Close your $12,000 down payment gap

At your current save rate, you're ~8 months away. DPA programs in Travis County may cover up to $15K.

2

Pay down $4,200 in revolving credit

This could push your credit score into the 760+ tier, unlocking a rate ~0.25% lower — saving $48/month.

!

Don't wait on rate lock

Austin inventory is up 18% YoY. Spring competition peaks in May. Your window is now.

Get your real score — takes 5 minutes

Get My Free Score →

The Market Reality

The Numbers Don't Lie

Spring 2026 is the most important homebuying window in 3 years. The buyers who know their score will move first.

6.22%

Current 30-Year Fixed Rate

Down from 8%+ in 2023–2024. The lowest since 2022, per Freddie Mac.

3 yrs

Buyers Were Locked Out

Millions of would-be buyers sat out 2022–2025. That pent-up demand is NOW looking for an outlet.

$35–75

Value Per Qualified Lead

Mortgage brokers pay $35–$75 per exclusive, pre-qualified homebuyer lead. We connect you to the right one — free.

★★★★★

"I'd been putting off buying for two years because I wasn't sure if we were ready. RateUnlocked gave me an 81/A- and a specific plan to close in spring. That clarity was worth everything."

JR

James R.

Denver, CO — closed March 2026

★★★★★

"I got a 61/C+ and was embarrassed — then I read the action plan. Three months later I'm at a 79/B+. The specific steps made all the difference. No fluff, just what to do."

ML

Maria L.

Charlotte, NC — offer accepted April 2026

Got Questions?

Frequently Asked

The score is 100% free. We make money when you choose to connect with a vetted mortgage broker through our platform — that's completely optional. You'll never be required to share your info with a lender. No hidden fees, no credit card required.
Zero impact on your credit. We never pull your credit report — not even a soft pull. You tell us your approximate credit score range, and our AI uses that. No SSN required.
A pre-qual from a lender tells you how much you CAN borrow. RateUnlocked tells you if you SHOULD — and what to fix first. We factor in market timing, rate lock opportunity, and your specific situation to give you a complete picture before you talk to a lender.
For the market generally? Rates are at a 3-year low and spring inventory is rising — that's a better setup than 2023 or 2024. For YOU specifically? That depends on your financial situation, target city, and timeline. That's exactly what your score tells you.
A 12-page PDF covering your full readiness breakdown, city-specific market analysis, rate scenario modeling (what happens to your payment if rates move), a complete lender-ready checklist, and all 12 action items (the free tier shows only the top 3). One-time $29.
A low score isn't a verdict — it's a roadmap. Every score below 70 comes with specific, prioritized steps to improve it. Most people who take action see their score rise significantly within 3–6 months. The goal is to get you to the finish line, not to discourage you.
Spring 2026 Window Is Open Now

Find Out If You're Ready to Buy

5 minutes. Free score. No credit pull. No spam. Just a clear answer about whether now is your moment — and exactly what to do about it.

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