RateReady

RateReady is a mobile + web AI-assisted pre-approval reality check that estimates what a lender is likely to approve today, not what a generic calculator claims. Users securely connect payroll and bank data, then the app models DTI, reserves, credit bands, and current rate scenarios to output a conservative “Approval Range” with a plain-English explanation of what’s helping or hurting. It also generates a lender-ready packet: income summary, asset summary, anomaly flags (large deposits, job gaps), and a checklist of documents to request. The app doesn’t pretend to replace underwriting; it highlights the exact items that typically derail approvals and gives actionable steps (pay down X, wait Y days after new credit, document Z deposit). Monetization is subscription for consumers and per-lead/per-seat for loan officers who want cleaner, faster files.