We encourage you to explore and do the 5 steps to see where you stand. Only then will you really know — a calculator is helpful but can only get you so far.

Get your purchase or refi-ready approval, and then if you’re not quite feeling it, take your time and refresh your profile when you’re ready. If you refresh days or weeks after and you haven’t spent all your down payment on a new car or a trip to New Zealand, your approval won’t change much.

If some big changes happen or several months pass, then it may change more. Either way, just refresh your profile instead of starting all over — it’s even easier than the first time.
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