Question 1

What's the difference between Homie's readiness check and a mortgage pre-approval?

Accepted Answer

Homie's readiness check is free and looks at your credit, income, savings, and timeline to give you an honest picture of where you stand — no lender involved. Pre-approval is a formal step you take later, directly with a lender, to get a binding agreement on loan terms.

Question 2

How does the free credit score check and its cashback work?

Accepted Answer

It's a free soft pull — no impact to your score, no lender call. You get $3 cashback just for checking, and Homie explains in plain language which specific factors are pulling your score down and roughly how long they'd realistically take to fix.

Question 3

How does Stack's grant and assistance stacking work?

Accepted Answer

Stack searches every layer of down payment assistance — federal, state, county, and employer programs — and combines every dollar you qualify for into one total, instead of you having to track down one grant at a time on your own.

Question 4

How long does the process typically take?

Accepted Answer

It varies a lot person to person, depending on your credit, savings, and income. Rather than quoting a universal number, Homie gives you an honest, personal estimate based on your actual situation.

Question 5

How does the cashback and rewards funding actually work?

Accepted Answer

You get $3 for the free credit score check, then point payouts as you hit real milestones like pre-approval, down-payment savings, and an accepted offer. Reach 100 points and you unlock VIP perks — and on closing day, HomeApproach funds a real cashback check directly to you.

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We built HomeApproach because the path to homeownership shouldn't feel rigged.