Mortgage readiness score

Build your Gig Worker Mortgage Readiness File

Answer a few questions about gig income, credit, down payment, tax deductions, and timeline. You will receive an educational readiness score, documentation map, loan-path questions, and a 30, 60, and 90-day action plan.

Step 1 of 8

Work type

What the score means

The readiness score is an educational snapshot, not a loan approval, rate quote, or underwriting decision. It is designed to show which parts of a gig worker mortgage file may need more preparation before speaking with a licensed professional.

Why documentation matters

Rideshare, delivery, freelance, and self-employed income can be reviewed in different ways depending on tax returns, 1099 forms, bank deposits, business expenses, credit, debts, and available funds for closing.

What to do next

After reviewing your result, gather income records, bank statements, app summaries, tax returns, and down payment documentation. Use those records to ask clearer questions about FHA, conventional, bank-statement, or self-employed mortgage paths.

This navigator is built for preparation. It can help identify whether income history, credit range, down payment funds, tax deductions, or documentation may be the next issue to organize. It does not replace lender review, underwriting, or advice from a licensed mortgage professional who can evaluate the full file.
RideshareMortgage.com is an educational mortgage navigation platform. Loan approval, rates, terms, and eligibility depend on lender review, underwriting, credit, income, documentation, and state regulations.