The HōMI-Score
A new standard for financial decision-making. Not whether you qualify, but whether you are ready.
What is the HōMI-Score?
0 - 100
Simple Scale
No confusing 300-850 range. Zero means not ready. Hundred means fully aligned.
3
Dimensions
Financial reality, emotional truth, and perfect timing, measured simultaneously.
Real-time
Reassessment
Your score updates as your life changes. Not a monthly lagging snapshot.
The HōMI-Score is the first three-dimensional readiness measurement for major financial decisions. It does not predict whether a lender will approve you. It predicts whether you will be okay financially, emotionally, and in terms of timing, after you say yes.
HōMI-Score vs FICO
FICO tells lenders if they should trust you. HōMI tells you if you should trust the decision.
How it is calculated
Three rings. Three dimensions. One score that tells you whether you will be okay.
Financial Reality
35%Emotional Truth
35%Perfect Timing
30%Why 35/35/30? Financial and emotional dimensions are weighted equally because data shows emotional misalignment causes as many bad decisions as financial strain. Timing is weighted at 30% because it contextualizes everything else. Even perfect finances and clear emotions cannot overcome catastrophic timing.
Four temperature states. One clear answer.
No ambiguity. No fine print. Your HōMI-Score maps to one of four verdicts, each with a concrete action plan.
READY
Cool
All three dimensions are aligned. You have the financial capacity, the emotional clarity, and the timing is right. The decision is confirmed.
ALMOST THERE
Warm
You are close but one or more dimensions need attention. Your roadmap will show exactly what to strengthen before reassessing.
BUILD FIRST
Warm+
Meaningful gaps exist in your readiness profile. Acting now would create unnecessary risk. We will show you exactly what to build.
NOT YET
Hot
This decision would cause more harm than good right now. That is not failure, it is intelligence. Your roadmap starts here.
The Path to Standard
FICO took decades to become the default. We are building the next standard. One that finally serves people, not institutions.
B2C Adoption
Individuals use HōMI to assess their own readiness. Build trust through accuracy and outcomes.
Data Flywheel
Aggregate anonymized readiness data creates the largest decision-outcome dataset ever built.
B2B API
Responsible lenders, insurers, and advisors integrate the HōMI-Score to serve clients better, not to gatekeep.
Industry Standard
The HōMI-Score becomes the expected benchmark alongside FICO: readiness alongside creditworthiness.
Ready to know if you are ready?
Stop guessing. Stop relying on tools built for lenders. Get the first score that was built for you.
Join 2,847 people already on the waitlist