Disclaimer

Educational guidance only

Everything HōMI produces — your HōMI-Score, your verdict, your readiness report, your transformation plan, and any conversation with the Decision Companion — is educational guidance. None of it is financial, legal, tax, mortgage, real estate, or investment advice, and none of it should be treated as a recommendation to buy, sell, borrow, refinance, or invest.

What HōMI is not

• Not a lender or mortgage broker.
• Not a registered investment advisor (RIA).
• Not a credit bureau.
• Not a real estate agent or brokerage.
• Not a financial planner.
• Not a bank or deposit institution.
• Not a product recommendation engine.

The verdict is not a guarantee

A READY verdict does not guarantee loan approval, favorable financing terms, or a positive outcome from any decision you make. A NOT YET or BUILD FIRST verdict does not mean a decision is impossible — it means our methodology identified factors worth addressing first. In all cases, the verdict reflects the inputs you provided and the methodology applied to them; it does not account for every fact of your individual circumstances, and it is not a substitute for advice from a licensed professional.

You make the decision

HōMI is built to give you clarity, not to make the decision for you. You are solely responsible for any financial, legal, or personal decision you make, whether or not it aligns with your HōMI-Score or verdict. We encourage you to consult a licensed financial advisor, mortgage professional, attorney, or tax professional for advice specific to your situation.

Related pages

See our Terms of Service and Privacy Policy for the complete legal terms governing your use of HōMI.