We built the home readiness tool we wish we had.
First Home AI exists because buying a home is one of the most significant financial decisions of your life — and the information you need to do it confidently is scattered, complex, and rarely presented all in one place.
The story behind the tool
Our founder has purchased two homes. Both times, the experience surfaced the same gap: unclear timelines, uncertainty about whether the numbers were actually strong enough, and down payment assistance programs that didn't come up until late in the process. Nobody asked the simple question up front: "Are you actually ready to buy a home?"
The information existed. A credit score that needed a little work, a debt-to-income ratio that was borderline, a DPA program that could have helped — none of it was hidden. It just wasn't organized or presented in a way that was easy to act on before the process was already underway.
Most first-time buyers go into the process the same way: without a clear picture of what lenders are looking for, which programs they might qualify for, or whether now is the right time to move forward. Lenders and real estate professionals are experts at their jobs, but they can only work with what you bring to the table — and a buyer who walks in already understanding their readiness, their loan path, and their DPA options is in a much stronger position than one who's figuring it out on the fly.
First Home AI is our attempt to bridge that gap. A free, honest assessment of where you stand — built on the same criteria lenders actually use — so you can walk into any conversation prepared.
Our mission
Help more renters become homeowners by making the path to homeownership clear, honest, and accessible — before they ever talk to a lender.
We focus specifically on Texas first-time homebuyers because Texas has some of the most generous down payment assistance programs in the country — programs that thousands of qualified buyers miss simply because nobody introduced them to the option early enough. Our goal is to change that, and to connect buyers who are ready with lenders who specialize in helping them get there.
How it works
Answer 14 questions
Credit score range, income, monthly debt, savings, employment status — the same things a lender will ask.
Get your readiness score
See your score, your likely loan path, whether you'd qualify for DPA programs, and what's holding you back.
Know your next step
Whether you're ready now or need 6 more months, you leave with a clear picture and a concrete action plan.
The whole thing takes about 5 minutes. No account required. No email wall before you see your results.
Why is it free?
We believe this kind of assessment should be free for every first-time homebuyer. To make that sustainable, we partner with a small number of TSAHC-approved mortgage lenders in Texas — lenders who specialize in first-time buyer programs and have chosen to work with us because they value meeting buyers who already understand their situation. When a buyer decides they're ready to connect with one of our partners, we facilitate that introduction and receive a fee.
That arrangement funds the platform. We're transparent about it in our Affiliate Disclosures. And you're never pressured to connect with anyone — your results are yours regardless of what you decide to do next.
Ready to see where you stand?
Free, honest, takes 5 minutes. No sales pitch at the end.
Take the Free Assessment →