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Mortgage-Ready Credit Checklist

A plain-language list of what most people get in order before buying a first home. Check things off as you go — your progress is saved on this device.

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Build the credit a home loan asks for

Subefy gives you a personalized, step-by-step plan across all three bureaus — in your language. No credit check to join.

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This checklist is educational and general — it is not mortgage advice or a promise of loan approval. Requirements vary by lender and loan program. Subefy is a financial education and credit-building platform, not a lender or credit bureau.