HōMI | Decision Readiness Intelligence™

The Standard Is Changing

The credit score is broken

FICO

HōMI-Score

What it measures

Repayment probability

Decision readiness across 3 dimensions

Who it serves

Lenders

You

Emotional readiness

Ignores

35% of your score

Market timing

Ignores

30% of your score

Conflict of interest

Sold to lenders

Zero commissions

What it predicts

Will they pay?

Will they be okay?

One-dimensional

Three-dimensional

Your Verdict

READY

Score ≥80

ALMOST

Score 65-79

BUILD

Score 50-64

STOP

Score <50

Zero commissions. Zero conflicts. Just clarity.

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