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Take The IPAC Score™

Know Exactly How Close You Are to Mortgage Approval!


A consumer-first readiness score that translates Income, Property, Assets, and Credit into a clear 0–100 result — plus a personalized 30–90 day action plan.

The IPAC Score™ turns all four categories into a single readiness score, telling buyers:

  • How close they are to mortgage-ready
  • What their strengths are.
  • What issues might cause underwriting problems.
  • What they can fix in 30–90 days.
  • What steps to take next.

It is the first consumer-facing system built to reflect how underwriting truly evaluates borrower profiles — without the confusion, fear, or hidden requirements lenders typically keep behind the scenes.

The IPAC Score™ is a proprietary homebuyer readiness system developed by The Constructive House to give consumers a transparent, easy-to-understand assessment of their mortgage eligibility.

It evaluates the four pillars every lender uses during the mortgage approval process:

I — Income

Employment stability, pay structure, job gaps, bonus history, overtime, and income documentation.

P — Property

Occupancy type, condition, appraisal risk, property class, and how the property affects loan requirements.

A — Assets

Reserves, down payment strength, seasoning of funds, gift documentation, and cash-flow patterns.

C — Credit

Score range, utilization, depth of credit, late payments, collections, disputes, and credit behavior.

1. How It Works (3 steps)

Step 1: Answer a short questionnaire about your Income, Property plans, Assets, and Credit.

Step 2: Receive your personalized IPAC Score™ (0–100) and a downloadable action plan.

Step 3: Book a one-on-one Mortgage Readiness Call to convert your score into a pre-approval.

2. Why IPAC is Different 

  • Not a generic DTI calculator — a full readiness system.
  • Built from real underwriting practice, translated for consumers.
  • Actionable, prioritized fixes you can implement in 30–90 days.
  • Trusted by homebuyers who want transparency.

3. Score Breakdown 

⭐ Total Score: 100 Points

Each IPAC category receives up to 25 points.

85–100: Mortgage Ready
You qualify for most programs today.

70–84: Almost Ready
Fix 1–2 issues and you’re in the approval zone.

50–69: Needs Preparation
A few adjustments needed (credit, assets, or stability).

Below 50: Not Ready Yet
You're in the early phase — but can get there with a plan.

4. FAQ

What is the IPAC Score™? (Answer: The IPAC Score  translates your Income, Property, Assets, and Credit into a single readiness score and a prioritized action plan. It is intended to help you take the next steps toward mortgage approval.)

Is this a pre-approval? (Answer: No—it's a readiness tool.)

How accurate is it? (Answer: based on underwriting practices; individualized approval depends on lender.)