Finding your bearings…
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Guides are how. Learning is why. This is the reasoning behind the thresholds — the math, the hard-stops, and the method — explained so you can check our work, not just take our word for it.
Debt-to-income ratio is the first number any lender looks at, and one of the first HōMI looks at too — for a different reason. Here's the actual math.
Four conditions override every other number in the HōMI-Score. Not because the rest of your picture doesn't matter — because these four failure modes are severe enough that nothing else compensates for them.
An honest answer to where automated systems genuinely help with a decision like this, and where they have no business deciding for you.
Financial Reality, Emotional Truth, and Perfect Timing — why they carry almost equal weight, and what each one is actually measuring underneath.
READY, ALMOST THERE, BUILD FIRST, NOT YET — what each one actually means, the temperature metaphor behind them, and why the least welcome verdict is the one doing the most protecting.
What actually counts as runway, how many months is genuinely enough, and why it's the first thing people quietly borrow from when a down payment feels close.