Readiness, explained

Readiness answers one question: given everything Sill currently knows about you, how ready are you to buy this particular kind of home, in this particular market, on this timeline?

It is scored against a target

Readiness is not a fixed grade attached to you. It is computed against your active target — the price, area, deal type, and close window you are aiming at. Move the target up and the same finances read as less ready; move it down and they read as more ready. That is the point: the number is a measure of fit, not a verdict on you.

Three dials, not one

• Readiness — what your household can do, given the current profile and target.
• Verification — how much confidence Sill has in the inputs behind that answer.
• Match — what you can actually buy: buying power, payment fit, rate assumptions, and specific properties.

The three move independently, which surprises people. Verifying your finances does not automatically raise your readiness score — it narrows the uncertainty around it, and can reveal facts that are better or worse than what you reported.

How to move the number

Use your readiness goals. They are the ranked coaching path Sill generates from your own profile, and they are the honest answer to "what should I do next?" — usually filling in a missing input, paying down a monthly obligation, building reserves, or adjusting the target to something the math supports today.

What readiness is not

• It is not a credit score, and calculating it never triggers a hard credit pull.
• It is not a qualification or an approval — only a lender can pre-qualify, pre-approve, or approve a loan.
• It is not a promise about what any lender or agent will offer you.