Am I Ready
to Buy?
Tap to answer — no typing. Takes about 2 minutes. We'll tell you exactly where you stand.
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Question 1 — Income
How would you describe the way you get paid?
Answer as your primary income source.
Question 2 — Pay Structure
Are you paid salary or hourly?
Both qualify just fine — this shapes the next question.
Question 3 — Annual Salary
What's your annual salary, roughly?
Ballpark is fine — helps us understand your purchase range.
Question 3 — Hourly Rate
What's your approximate hourly rate?
Rough estimate is totally fine.
Question 4 — Employment History
How long have you been at your current job?
Job stability is one of the first things lenders look at.
Question 2 — Business History
How long have you been self-employed or running your business?
Most lenders want 2 years of history — but options exist at every stage.
Question 3 — Net Income
What's your estimated annual net income?
Net — what's left after business expenses. Rough estimate is fine.
Question — Credit
Where does your credit score fall, roughly?
Check Credit Karma or your bank app — no hard pull happens here.
Question — Down Payment
How much do you have set aside for a down payment?
Savings, investments, or gift funds you could use toward a home.
Question — Current Situation
What's your current living situation?
No right answer — just helps me understand where you're starting from.
Question — Current Rent
What's your current monthly rent payment?
Helps me understand your monthly budget comfort level.
Question — Utilities
Are utilities included in your rent?
Helps paint the full picture of your current monthly costs.
Question — Timeline
When are you looking to buy?
There's no wrong answer — early prep is always an advantage.
Final Question — Experience
Have you been through the home buying process before?
First-timers and repeat buyers both do great — I just approach them differently.
Alright — you've done the work to get here. To know if you qualify for a specific payment, we need to talk about debt. Debt meaning everything that shows up on your credit report. That part's a little more involved, so reach out whenever you're ready and we'll work through it together.
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Drop your email and you'll get a welcome from Miles plus a short series of newsletters covering the topics most buyers never hear before they start looking:
- What pre-approval actually means — and why the fast version hurts you
- How to calculate your real all-in monthly payment
- What your credit score actually does to your rate
- Down payment myths — you don't need 20%
- The mistakes that kill deals right before closing
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Miles Nelson · Summerlin Financial NMLS #1671311
Miles Nelson · Summerlin Financial NMLS #1671311
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