HomeBuyCredit
Free Credit Check & Home Buying Power

Know Your Home Buying Power

Instantly see what home you can afford and check your Experian FICO® score for free. No obligation, no credit card required.

See how it works

Free credit check. No impact on your credit score.

Your creditSoft pull · no impact
742Very Good

Experian · FICO® Score 8

Estimated buying power
$420,000

Based on your score, income & today's rates

Built on the data the pros trust

ExperianEquifaxTransUnion
FICO® ScoreVantageScore
How It Works

Three simple steps

Our platform makes it easy to understand your home buying options.

1

Check Your Credit

Get your Experian FICO® score instantly with a soft inquiry that won't affect your credit.

2

See Your Buying Power

We instantly analyze your financial profile to determine how much home you can afford.

3

Connect With Experts

When you're ready, we'll match you with top local realtors and mortgage brokers — at no cost.

Features

Everything you need to know

Valuable insights into every step of your home buying journey.

Real-Time FICO® Score

Get your actual Experian FICO® score instantly, with no impact on your credit.

Home Affordability Calculator

We analyze your financial situation to pinpoint your ideal price range.

Bank-Level Security

Your data is protected with 256-bit encryption and never shared without permission.

Expert Connections

Get matched with top local real estate and mortgage professionals — at no cost.

AI-Powered Insights

Personalized recommendations help you improve your buying power over time.

100% Free Service

No credit card required, no hidden fees, and no obligation to continue.

On the horizon

Real homes in your range

Coming soon

The best part is almost here

See actual homes you can afford, each with a monthly payment estimated for your credit — updating live as you move the dials. We're putting the finishing touches on it, and we can't wait to show you.

Built to feel safe

Your data, protected like a bank

Checking your credit should never feel risky. We built HomeBuyCredit so you can explore your options with total confidence — and zero impact on your score.

256-bit encryption

Bank-level security protects every byte of your information, end to end.

A soft inquiry only

Checking your score here never affects it — the same as viewing it yourself.

We never sell your data

Your personal information is yours. We don't sell it to third parties. Ever.

Ready to see your home buying power?

Get your free credit score today — it only takes a minute, and it won't touch your credit.

Learn more

Free credit check · No credit card required · No obligation

FAQ

Frequently asked questions

No. We use a soft inquiry that does not impact your credit score — the same type of check you perform when viewing your own credit.

Our service is completely free for you. We receive referral fees from real estate and mortgage professionals if you choose to work with them.

Yes. We use bank-level 256-bit encryption to protect your data, and we never sell your personal information to third parties.

Our estimates are highly accurate based on your credit score, income, and other financial factors. Final loan approval is always determined by lenders.

Absolutely not. Our service is no-obligation — you're free to work with any real estate or mortgage professionals you choose.

We carefully vet every professional in our network for experience, customer satisfaction, and performance to ensure they provide excellent service.