MORTGAGE INTELLIGENCE PLATFORM

Know Which Bank
Will Approve You
Before You Apply.

HomeScore analyzes your profile against 40+ lender criteria and tells you exactly where you stand — and what to fix before you apply.

Check My HomeScore See How It Works
40+ Lenders
Builder · Resale · CIDCO · MHADA · LAP · HNI
Real-Time
Eligibility engine
No Hard Inquiry
CIBIL safe
Data Encrypted
256-bit SSL
₹0Cr+
Loans Facilitated
0+
Families Served
0+
Credit Profiles Improved
0+
Lender Relationships
LENDER NETWORK

Trusted Across India's
Leading Lenders

YOUR PATH

What Brings You Here Today?

Choose the path that best matches your requirement.

🏠
Buying a Home
Need help choosing the right lender, understanding eligibility and navigating the home loan process.
Explore Home Loans
🏢
Property Loan Check
Want to know if your property is financeable and which lenders are likely to approve it?
Check Property
📉
Loan Rejected
Find out exactly why your loan was rejected and get a recovery roadmap.
Analyze Rejection
👑
HNI Advisory
Private mortgage structuring and bespoke lending solutions for complex profiles.
Book Consultation
SAMPLE REPORT

Your Mortgage Intelligence Report

A comprehensive analysis of your borrowing profile, lender match scores, and improvement roadmap.

HomeScore Report
Aditya Torde
Generated 18 Jun 2026 · Mumbai
PREMIUM GRADE
84 /100
HomeScore
₹62L eligibility
LENDER MATCH SCORES
HDFC
92%
ICICI
89%
SBI
85%
Axis
79%
+28 POINT IMPROVEMENT OPPORTUNITY
Reduce DTI ratio and clear 2 pending disputes to unlock premium lenders
82
Credit
88
Income
74
Debt
90
Bankability
INSTANT ANALYSIS

Mortgage Health Check

Answer 5 quick questions. Get your readiness score and eligibility estimate in 60 seconds.

Step 1 of 5

What is your monthly household income?

FULL ANALYTICS

Your Complete Report Dashboard

Four dimensions of mortgage intelligence. Every data point mapped. Every opportunity surfaced.

PROFILE SCORE BREAKDOWN
Credit Score82/100
Income Stability88/100
Debt-to-Income74/100
Bankability Index90/100
Property Viability86/100
KEY METRICS
84
HomeScore
₹62L
Eligibility
38%
DTI Ratio
12
Matching Lenders
APPROVAL PROBABILITY BY LENDER
HDFC Bank
92% Best Match
ICICI Bank
89% Strong
SBI
85% Good
Axis Bank
79% Moderate
Kotak Mahindra
76% Moderate
LIC HFL
71% Possible
SCORE IMPROVEMENT ROADMAP
1
Reduce Credit Card Utilization to Below 30%
Current utilization at 67%. Bringing it below 30% can add +15 to your HomeScore.
+15 POINTS
2
Clear 2 Pending Credit Disputes
Open disputes on your CIBIL report are flagging risk. Resolve within 30 days.
+8 POINTS
3
Prepay Personal Loan to Reduce DTI
DTI at 38%. Prepaying ₹2L of your personal loan brings DTI to optimal 35% range.
+5 POINTS
Potential Score After Improvements: 84 → 112
REJECTION ANALYSIS ENGINE
PRIMARY REJECTION FACTORS
High Debt-to-Income ratio (38%) exceeding lender threshold of 35%
Credit card utilization above 60% — flagged as credit-hungry behavior
2 open disputes on CIBIL report creating uncertainty
RECOVERY STRATEGY
Reduce CC utilization to below 30% — impact visible in next billing cycle
Resolve disputes via CIBIL dispute portal — 30 day resolution window
Target HDFC or ICICI first — their criteria align closest with your profile
FLAGSHIP ENGINE

Loan Success Probability™

The probability engine that estimates which lender is most likely to approve you — before you apply.

Sample Analysis
Property Lodha Crown, Thane
Applicant Score 742
Monthly Income ₹1.40 Lakh
Loan Amount ₹58 Lakh
HomeScore Result
HDFC
92%
ICICI
89%
SBI
83%
Axis
78%
RECOMMENDED
Apply HDFC First
Strongest approval probability based on current profile and property characteristics.
Property Risk
Low
Confidence
92%
Eligibility
₹68L
PROPERTY ENGINE

Property Intelligence

Enter property details. Get lender-specific approval probability, LTV ratios, and risk notes.

Property Details
Lender Analysis
Enter property details to see lender match analysis
END TO END

Application to Disbursement

The complete 9-step journey from eligibility check to money in the seller's account.

The Journey
Eligibility Check
HomeScore analysis across 40+ lender criteria
Lender Shortlisting
Match your profile to the best-fit lenders
Document Preparation
Bank-specific checklist generated for you
Application Submission
We file with the optimal lender first
Technical & Valuation
Property valuation by bank-empanelled engineer
Legal Verification
Title search, chain verification, encumbrance check
Sanction Letter
Loan approved — terms and conditions reviewed
Agreement & Registration
Sale deed execution at sub-registrar office
Disbursement
Loan amount released directly to seller/builder
Checklists
New Property Checklist
KYC Documents (PAN, Aadhaar, Photos)
Income Proof (Salary Slips / ITR)
Bank Statements (6-12 months)
Property Documents (Agreement to Sale)
Builder NOC & Completion Certificate
Cheque for Processing Fee
Resale Property Checklist
Title Deed (30-year chain search)
Encumbrance Certificate (13+ years)
Society NOC & Share Certificate
Property Tax Receipts (Updated)
Existing Loan NOC (if any)
Sale Agreement & Token Receipt
COMPLEX SCENARIOS

Every Case Has a Solution

We specialize in the cases others won't touch. Complex profiles, non-standard situations.

Solvable
Low CIBIL Score
Below 650? We work with specialized lenders and credit repair strategies to get you approved.
Critical
Previous Rejection
Bank said no? We analyze why, fix the gaps, and approach the right lender next time.
Specialist
Self-Employed
Business income, variable cash flow, or limited ITR? We know which lenders accept your profile.
Manageable
High EMI Burden
DTI ratio too high? We restructure your existing obligations to create room for your home loan.
Critical
DPD History
Past due payments on your record? We identify lenders who look beyond isolated DPD incidents.
Specialist
Loan Against Property
Need to consolidate or unlock equity? LAP solutions with optimal LTV and competitive rates.
Solvable
Balance Transfer
Stuck with high rates? We negotiate transfers to lenders offering better terms and savings.
Manageable
Complex Income
Multiple income sources, rental income, freelance? We document and present your true earning capacity.
CREDIT REPAIR

From 685 to 750+

Structured credit improvement plan. Measurable actions. Real results.

Action Plan
1
Reduce Credit Card Utilization
Pay down balances to below 30% of limit. This single action can add 20-40 points within 2 billing cycles.
HIGH IMPACT
2
Dispute Inaccuracies on CIBIL
File disputes for any incorrect entries — closed accounts showing open, wrong balances, unknown inquiries.
MEDIUM IMPACT
3
Maintain Perfect Payment History
Set up auto-debit for all EMIs and credit cards. Even one missed payment can undo months of progress.
CRITICAL
4
Build Credit Mix & Age
Maintain a healthy mix of secured and unsecured credit. Avoid closing old credit cards — age matters.
LONG-TERM
Impact Metrics
CREDIT HEALTH
Current → Target trajectory
ELIGIBILITY UNLOCK
+₹18L
Additional borrowing capacity at 750+
LENDERS WHO OPEN UP
28
New lenders accessible after repair
Supporting service — available as standalone or with HomeScore
EXCLUSIVE

Private Mortgage Advisory
For HNI Clients

Bespoke mortgage structuring for complex financial profiles. White-glove service from eligibility to disbursement.

Business Owners CXOs & Senior Executives Doctors & Professionals HNIs NRIs Family Offices
Multi-Property Structuring
Priority Processing
Rate Negotiation
Tax Optimization
NRI Documentation
Portfolio Advisory
Dedicated Advisor
Confidential Handling
Request Private Consultation
RECOVERY ENGINE

Loan Rescue Analysis

Upload your rejection documents. We diagnose the root cause and build a recovery roadmap.

Upload Documents
Rejection Letter
Bank rejection notice or reference
CIBIL Report
Your credit bureau report
ITR / Income Docs
Income tax returns or proof
Analysis Output
ROOT CAUSE
Awaiting document upload. Our engine will identify the exact reason(s) for your loan rejection — from credit issues to documentation gaps.
BANKABILITY SCORE
Your bankability will be scored across 12 parameters to quantify exactly where you stand with lenders.
RECOVERY ROADMAP
A step-by-step action plan to address each rejection factor and re-approach lenders with a stronger profile.
DOCUMENT VAULT

Home Loan Knowledge Hub

Exact documentation requirements for every property type. No confusion. No rejected applications from missing papers.

Builder Property
Complete document checklist for new construction purchases from builders and developers.
View Documents →
Resale Property
Title chain, encumbrance, society NOC — everything needed for resale transactions.
View Documents →
CIDCO Transfer
CIDCO-specific documentation, transfer procedures, and lender considerations for Navi Mumbai properties.
View Documents →
MHADA Property
MHADA lottery and scheme-specific requirements. Which lenders finance MHADA properties.
View Documents →
NRI Home Loans
NRI documentation, Power of Attorney requirements, FEMA compliance, and approval process.
View Documents →
Society Transfer
Co-operative society transfer procedures, share certificate requirements, and common issues.
View Documents →
Under Construction
Approval requirements, construction-linked payment plans, and lender preferences for UC projects.
View Documents →
📋
Need Help?
Not sure which category your property falls under? We'll identify it for you.
Ask HomeScore →
A
"Every family deserves to know exactly where they stand before they walk into a bank. That clarity changes everything."
Aditya Torde
Founder, HomeScore
ICICI Bank Home Loan Advisory HNI Relationships Complex Mortgage Structuring Navi Mumbai Property Ecosystem Builder & Resale Transactions Credit Improvement & Recovery
Why HomeScore Exists
The Indian mortgage market is broken. Borrowers walk into banks blind — unaware of which lender will approve them, what their actual eligibility is, or why they got rejected. They waste months applying to the wrong lenders, damaging their credit score with each hard inquiry. HomeScore was built to fix this. We map your profile against 40+ lender criteria before you ever submit an application. We tell you where you stand, what to fix, and exactly which bank will say yes. No guesswork. No rejection surprises. Just clarity.
END-TO-END PARTNER

Your Dedicated Home Loan Partner

From First Discussion To Final Disbursement

Most loan consultants disappear after collecting documents. HomeScore stays with you throughout the entire journey.

Profile Assessment
Review income, obligations, credit profile and property details.
Lender Strategy
Identify the most suitable lender based on profile and property.
Documentation Support
Assist with builder documents, resale documents, society documents and bank requirements.
Legal & Technical Coordination
Coordinate valuation, legal review and lender queries.
Sanction Support
Review sanction terms, conditions and lender requirements.
Registration & Disbursement
Coordinate final documentation and loan release.
Post Disbursement Support
Balance transfer reviews, rate negotiations and future funding requirements.

Why Clients Choose HomeScore

No Target Driven
One Point Of Contact
40+ Lending Relationships
Property Intelligence
Legal Due Diligence Support
Builder & Resale Expertise
HNI Advisory
Loan Rescue Capability
End-To-End Execution
YOUR MOVE

Know Which Bank
Will Approve You.

Before another rejection.
Before another wasted enquiry.
Before another month lost to delays.
Get My HomeScore
No hard inquiry on your CIBIL. Results in 60 seconds.
Welcome back
Partner Dashboard
HS-MUM-0001
Current Month
₹1,28,000
4 disbursements
Lifetime Earnings
₹8,45,000
Since Jan 2025
Active Leads
12
In pipeline
Conversion Rate
68%
Last 90 days
Recent Activity
Rajesh Kumar — Loan Sanctioned
₹65,00,000 from HDFC Bank · Commission: ₹26,000
2 hours ago
Priya Sharma — Documents Received
Submitted to ICICI Bank · Under evaluation
5 hours ago
Amit Patel — New Lead Created
Property: Lodha Crown, Thane · Loan: ₹58L
1 day ago
Your Tier
Gold Partner
0.40% commission rate
₹1,55,000 more to Platinum tier. Keep going!
All Leads
Customer Property Loan Amount Status Commission
No leads yet. Click "New Lead" to submit your first lead.
Live Case Tracking
Lead Created
Jan 15, 2026 · 10:30 AM
Profile Reviewed
Jan 15, 2026 · 2:15 PM
Customer Contacted
Jan 16, 2026 · 11:00 AM
Documents Received
Jan 18, 2026 · 4:30 PM
Submitted to Lender
Jan 19, 2026 · 9:45 AM
Under Evaluation
Jan 20, 2026 · 3:00 PM
Technical Approved
Jan 22, 2026 · 1:20 PM
Legal Approved
Jan 23, 2026 · 5:10 PM
Sanctioned
Jan 25, 2026 · 11:30 AM · Current Status
Disbursed
Pending
Closed
Pending
Pending
₹46,800
2 cases
Approved
₹26,000
Processing payout
Paid
₹7,72,200
Lifetime total
Commission History
Customer Loan Amount Commission Status Date
Rajesh Kumar ₹65,00,000 ₹26,000 Approved Jan 25, 2026
Sneha Desai ₹35,00,000 ₹14,000 Paid Jan 10, 2026
Vikram Singh ₹80,00,000 ₹32,000 Paid Dec 28, 2025
Anita Joshi ₹48,00,000 ₹19,200 Paid Dec 15, 2025
🥈
Silver
0.35% commission
0-50L disbursement
🥇
Gold
0.40% commission
50L-2Cr · Current Tier
💎
Platinum
0.45% commission
2Cr-5Cr disbursement
👑
Elite
0.50% commission
5Cr+ disbursement
Tier Benefits
🥈 Silver Partner
0.35% commission rate · Email support · Basic dashboard access
🥇 Gold Partner (Your Tier)
0.40% commission rate · Priority support · Advanced analytics · WhatsApp notifications
💎 Platinum Partner
0.45% commission rate · Dedicated relationship manager · Priority case processing · Monthly performance review
👑 Elite Partner
0.50% commission rate · VIP support · Exclusive lender access · Quarterly business reviews · Recognition & awards