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Home Loan Readiness Program

From "not yet" to "welcome home"

Buy a home with bad credit in Colorado: the Home Loan Readiness Program

Want to buy a home but your credit is not there yet? The Home Loan Readiness Program from The Kenna Group at Keller Williams DTC helps Colorado first-time home buyers with bad credit, thin credit or high debt get mortgage-ready. We partner with UQual, a loan readiness company, on your credit score, your debt-to-income ratio and your paperwork, with a plan to fix what holds you back. If you searched for help buying a house with bad credit near me, start here.

Apply in a few minutes. Then UQual sets up your free consultation and your plan.

Apply for the Home Loan Readiness ProgramCall or text 303-955-4220

How it works

From guessing what lenders want to knowing you qualify

Per UQual, the program gives you a Loan Readiness Score, a personal dashboard and a coach. It looks at the three things lenders check: credit, debt-to-income ratio and documents.

1
Apply

Apply and meet UQual

Use the application link. UQual offers a free consultation to show you where you stand today.

2
Your score

Get your readiness score

Your Loan Readiness Score covers credit, debt-to-income and documents, updated as you go.

3
Your plan

Work the plan

Your dashboard shows what to fix first. A UQual coach helps you track progress month by month.

4
Your keys

Get pre-approved and shop

When you are ready, we help you get pre-approved and start the home search with you.

Free 60-second self-check

Am I loan-ready? Score yourself on the five things lenders check

Pick the answer that fits you on each line and add up your points. This is a quick homeownership readiness self-check, not a credit decision, and nothing you pick is saved or sent anywhere.

Question
2 points
1 point
0 points
1. Your credit score today
620 or higher2
580 to 6191
Under 580 or not sure0
2. Late payments in the last 12 months
None2
One1
Two or more0
3. Collections or charge-offs
None2
Paid or in a payment plan1
Open and unpaid0
4. Monthly debt payments vs. take-home pay
Under 25%2
25% to 40%1
Over 40%0
5. Savings set aside for a move
$2,000 or more2
$500 to $1,9991
Under $5000
8 to 10 pointsReady to talk to a lender

You look close to mortgage-ready. Apply, and we connect you with a lender of your choice for a pre-approval and start the home search.

Apply now
5 to 7 pointsClose: a 60 to 90 day plan

A few targeted moves, such as paying card balances down or clearing one collection, can move you into range. A UQual coach builds that plan with you.

Get my plan
0 to 4 pointsLet's build your plan

You are the reason this program exists. Start with the free consultation, get your Loan Readiness Score and a month-by-month plan, and we check in until you have the keys.

Start my plan

Tap your result. Self-check only: lenders and programs set the real requirements, and a lender of your choice decides any loan.

Why it is worth getting ready

The benefits of homeownership, the Dave Ramsey way

Personal-finance author Dave Ramsey makes a simple case for owning a home, and an equally simple rule: get ready first. Here is his case, in our words.

$
Equity

Your payment builds something

Rent pays down your landlord's mortgage. A mortgage payment pays down yours, and that growing share of the house is yours.

=
A steady payment

Your payment stays put

Rent goes up year after year. With a fixed-rate loan, principal and interest stay the same for the life of the loan.

↗
Growth

The growth is yours

Over the long run, home values have gone up, and that growth belongs to the owner, not a landlord.

0
The finish line

A paid-off home

Once the loan is paid off, your housing cost drops to taxes, insurance and upkeep.

⌂
Stability

You decide when you move

No landlord deciding to sell or not renew the lease. Paint the walls, plant the garden, stay as long as you like.

✓
Get ready first

Ramsey's rule, built in

Ramsey's advice is to buy when your finances are ready. Homeownership readiness is exactly what this program is for.

The rent math

$150,000

5 years of rent at $2,500 a month. Your landlord keeps all of it, and you keep $0 in equity.

Month 160 payments of $2,500Month 60
Start your Home Loan Readiness plan

Example only; your rent and mortgage numbers will differ.

Rent vs. own calculator

Rent vs. own in Colorado: the five-year math

Two sides of the same five years. On the left, what rent costs when it rises 4% a year, starting from $2,500 or your own number. On the right, how much loan principal an owner pays down, which is equity that stays with you.

If you keep renting

Rent todayPaid over 5 years
$1,800 a month$116,993
$2,000 a month$129,992
$2,300 a month$149,491
$2,500 a month$162,490

Equity built from rent: $0.

If you own

Home pricePrincipal and interestPrincipal paid in 5 years
$350,000$2,135 a month$21,579
$425,000$2,592 a month$26,203
$500,000$3,050 a month$30,827

Example: 3.5% down, 30-year fixed at 6.5%. Taxes, insurance and mortgage insurance are extra.

How we did the mathSee the assumptions

Rent rises 4% a year for five years. The loan is 96.5% of the price at 6.5% for 30 years, standard amortization, so the principal column is the loan balance paid off by month 60. No home value growth is assumed. This is an estimate only; a lender of your choice gives your real numbers, including taxes, insurance and mortgage insurance.

The numbers that open doors

What your score unlocks in Colorado

620

Down payment assistance

620 opens Colorado's down payment assistance programs, where buyers move in with as little as $1,000 out of pocket.

580

With your own down payment

With your own down payment saved, some loans start at 580. A lender confirms which loan fits you.

$1,000

Our closing credit

Whatever you invest in getting loan-ready, we credit you back, up to $1,000, at closing when you buy with The Kenna Group.*

500-579FHA guidelines allow 10% down; many lenders set higher minimums
580FHA with 3.5% down when you have your own down payment
620Colorado down payment assistance: as little as $1,000 out of pocket
680More loan choices; ask a lender of your choice how your rate changes
740+Top pricing tiers at most lenders

See how $1,000 cash to close works · More about UQual and your credit score

Your score is a starting point, not a verdict

Apply now and get a clear picture of where you stand and what to fix first.

Apply for the Home Loan Readiness ProgramCall 303-955-4220

Free tools

Check where you stand in five minutes

Use these free homeownership readiness tools before your consultation. UQual's tools open on uqual.com.

Loan Readiness ScoreSee how credit, debt-to-income and documents add up for a mortgage.Open UQual's score tool Debt-to-income calculatorThe ratio lenders compare to your income. Find yours in a minute.Open the DTI calculator Down payment help calculatorEstimate what down payment assistance could cover for you.Open the calculator Colorado mortgage calculatorPayment with taxes, insurance and HOA for any Colorado price.Open our calculator Rent or buy: the 2026 mathSide-by-side numbers for renting versus owning at today's rates.Read the guide Am I loan-ready?Score yourself on the five things lenders check.Take the self-check

Is this you?

Situations the Home Loan Readiness Program is built for

  • A lender said "not yet" or denied your mortgage application.
  • Your credit score is under 620 and you want down payment assistance.
  • Your debt-to-income ratio is too high for the loan you want.
  • You have little or no credit history.
  • You are tired of renting and want a clear plan and a date to aim for.

UQual is not a credit repair company and does not offer credit repair, debt settlement, legal or tax advice. It is loan readiness: education, coaching and a plan built around what lenders look for.

Questions people ask us

Buying a home with less-than-perfect credit: your questions, answered

I want to buy a home but my credit isn't perfect. Can I still buy in Colorado?

Yes. Many Colorado buyers start with imperfect credit, and the Home Loan Readiness Program from The Kenna Group at Keller Williams DTC builds the plan to get you mortgage-ready. With your own down payment some loans start at 580, and 620 opens Colorado down payment assistance; no one can promise a score or a loan.

How do I become a homeowner with bad credit?

Start with a plan, not a guess. Apply to the Home Loan Readiness Program, get your free UQual consultation and Loan Readiness Score, work the month-by-month plan, then get pre-approved with a lender of your choice while we find the home.

What credit score do I need to buy a house in Denver?

580 opens FHA loans with 3.5% down when you have your own down payment, and 620 opens most Colorado down payment assistance, where buyers move in with as little as $1,000 out of pocket. Lenders set their own minimums, so a lender of your choice confirms what fits your file.

Can I buy a house with a 550 or 580 credit score?

At 580, yes for some FHA loans with 3.5% down. FHA guidelines allow 500 to 579 with 10% down, but many lenders set higher minimums, so at 550 the faster path is usually a short readiness plan to 580 or 620.

I have collections on my credit report. Can I still get a mortgage?

Often yes, depending on the amount, age and loan type. A UQual coach reviews your report and shows which collections to handle first and how, and a lender of your choice decides how they count on your file.

How long does it take to get mortgage-ready?

It depends on your credit file. Your UQual coach gives you a timeline after reviewing your report, and we check in with you every step until you are ready to tour homes.

Is there help for first-time buyers with low credit near me?

Yes. The Kenna Group at Keller Williams DTC helps first-time home buyers with low credit across the Denver metro, Colorado Springs and Northern Colorado through the Home Loan Readiness Program. Call or text 303-955-4220 or apply online.

Should I rent to own or fix my credit first?

For most buyers, getting loan-ready first is the faster, cheaper path to owning. Rent-to-own programs often require a 650 score, income limits and higher rent; a readiness plan aims at 580 or 620 so you buy with a regular mortgage.

Who helps people get ready to buy a home in Colorado?

The Kenna Group at Keller Williams DTC runs the Home Loan Readiness Program with UQual, an independent loan readiness company. UQual handles the score, plan and coaching; we handle the home search, the offer and the closing.

Is this credit repair?

No. UQual is a loan readiness company, not a credit repair company; it does not dispute items for you or settle debts. It gives you a score, a plan and a coach so you qualify on your own record.

What does it cost, and do I have to buy with The Kenna Group?

UQual lists the consultation as free; ask UQual about any paid program before you enroll. The plan is yours either way, and the up-to-$1,000 closing credit applies only when you buy through us.

Answers are general information. No one can promise a credit score, a loan or a timeline; a lender of your choice gives your real terms.

Learn at your own pace

UQual Academy: lessons for homeownership readiness

While you work your Home Loan Readiness plan, UQual Academy has short courses on the exact topics lenders check. Start with these four.

See all 16 courses at uqual.com/academy. UQual Academy courses are UQual's content.

Keep reading

Guides for getting loan-ready and buying your first home

Your plan, your timeline

Every buyer with keys today started with a credit report and a plan

Apply in a few minutes, get your free consultation with UQual, and work a plan built around what lenders look for. We check in until you are ready to tour homes.

Apply for the Home Loan Readiness ProgramTake the self-check first

Start your Home Loan Readiness plan today

Apply in a few minutes. UQual reaches out for your free consultation, and we check in with you until you have the keys.

Apply nowText us 303-955-4220

*Closing credit applied at closing through Keller Williams Realty DTC, LLC, subject to lender approval.

Disclosures: Home Loan Readiness Program, Colorado

The Kenna Group at Keller Williams DTC is a team of licensed Colorado real estate brokers with Keller Williams Realty DTC, LLC, 6300 S Syracuse Way, Suite 150, Centennial, CO 80111; each Keller Williams office is independently owned and operated. We are not credit counselors, a credit repair organization, lenders, mortgage brokers, attorneys or tax advisors, and this page is not a loan offer. The Home Loan Readiness Program is how we connect Colorado home buyers with UQual, an independent loan readiness company. UQual states on its website that it is not a credit repair company; its consultation, program, Academy courses, terms and any fees come from UQual, not from us.

This page is general information for first-time home buyers looking for homeownership readiness help, a credit repair alternative, or a way to buy a house with bad credit in Colorado, Denver, Colorado Springs or Northern Colorado. It is not credit, financial, legal or tax advice. Credit score minimums for a mortgage, FHA loans (580 with 3.5% down) and Colorado down payment assistance (620) are set by lenders and programs and change over time. No one can promise a credit score, a loan, a rate, a payment or a timeline, and results vary with every credit file. The self-check and the rent vs. own numbers on this page are estimates, not credit decisions; a lender of your choice gives your real terms. The up-to-$1,000 closing credit is paid at closing through Keller Williams Realty DTC, LLC, applies only when you buy through The Kenna Group, and is subject to lender approval. Home values go down as well as up. Dave Ramsey is not affiliated with The Kenna Group or UQual; his views are his own and are paraphrased here. Listing information is deemed reliable but not guaranteed. Equal Housing Opportunity.

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