Financial Readiness
Every signal Jeremy tracks — what's verified, what's needed, and what to do next.
Readiness Score
74
out of 100
B
Grade
12
days to ready
Signal Summary
8
Verified
2
Action Needed
1
Refresh
1
Explaining
4 items blocking faster close
Rental Income — 2BR Condo
Upload Lease + Statements
Brokerage — Schwab
Refresh Statement
Large Deposit — $22,000
Upload Source Doc
2022 Federal Tax Return
Upload 2022 Return
Income
1 action neededW-2 Employment Income
VerifiedStripe, Inc. — $195,000/yr confirmed via employer VOE
RSU Vesting History
Verified2 years of vesting history confirmed. Used in qualifying income.
Rental Income — 2BR Condo
Action NeededLease agreement and 12 months of bank deposit history required to count $1,500/mo in qualifying income.
Assets
2 actions neededChecking & Savings — Verified
VerifiedChase ($38.5K) and Ally HYSA ($94K) confirmed. 60-day history clean.
Brokerage — Schwab
Needs RefreshLast statement 47 days old. Underwriting requires <30-day recency for assets used in closing.
Large Deposit — $22,000
ExplainingDeposit on Apr 3 requires sourcing letter. Likely stock sale — confirm with brokerage statement.
Credit & Debt
All verifiedCredit Score — 748
VerifiedVery Good. Qualifies for best conventional pricing. No derogatory marks.
DTI — 32% Back-End
VerifiedWell within conventional limits (43% max). Front-end housing ratio at 28%.
Documentation
1 action needed2023 Federal Tax Return
VerifiedFiled and uploaded. All schedules present.
2022 Federal Tax Return
Action NeededUnderwriting requires 2 years of tax returns. 2022 return not yet received.
Identity
All verifiedGovernment ID
VerifiedDriver's license verified via secure upload.
SSN Verification
VerifiedSSN confirmed. OFAC/credit pull authorized.
You're 12 days from full pre-approval.
Two quick uploads would cut that in half and unlock better pricing.