Buyer qualification checklist
A structured version of the conversation a strong sales counselor already has. Work through it at the desk, see where the gaps are, and print the summary straight into the buyer file.
Assessment
Early — lender conversation first
0 / 16 complete · 0%
Buyer · August 1, 2026
Conversation readiness
Five minutes at the sales desk, before anyone talks about a lot premium.
Credit and qualification
Enough to know whether to keep going today or set up a lender call first.
Funds to close
Where the money is, and whether it will still be there at closing.
Financing structure
The pieces that determine which program actually fits.
Notes
In closing
Your mortgage decision summary
0 of 16 readiness items are complete. This isn't a score or an approval — it's a picture of which conversations have happened and which ones haven't yet.
The 16 open items are where the useful conversation lives. Open items aren't problems — they're simply the things nobody has confirmed yet, and confirming them early is what keeps a file from stalling later.
Key takeaways
Readiness is about clarity, not perfection — knowing where a buyer stands is more valuable than every box being checked.
Credit, income documentation, and the source of funds account for most delays that surface late.
Down payment assistance carries its own requirements, including a 640 minimum credit score.
Open items are best raised early, while there is still time to address them without pressure.
A checklist supports a conversation; it doesn't replace a full application and credit review.
What would you like to do next?
There's no next step you have to take. Keep exploring, save what you've built, or talk it through — whichever is genuinely useful to you right now.
A note from Corie
A mortgage is more than a monthly payment.
It's a financial decision that should support your goals, your family, and your future.
My hope is that these tools help you better understand your options. If you ever have questions, I'd be honored to help you think through them.
Ask Corie about this estimate
Have a question about these numbers?
Every homebuyer's situation is different.
If a few items on this list are still open, we can talk through what it would take to close those gaps.
Whether you're comparing loan options, buying your first home, building a new home, or simply planning ahead, we can review your scenario together.
No pressure. No obligation. Just clear answers to help you make an informed decision.
This checklist is a sales and education tool. It is not a credit decision, a pre-approval, or a commitment to lend, and nothing here should be presented to a buyer as an approval. Qualification is determined by the lender after a full application and review.
A conversation, not a pitch
Want these numbers pressure-tested on a real buyer?
Send the scenario over and we will walk through the program, the timeline, and what the buyer should expect.