Your Digital Financial Identity
You're 74% lender-ready.
3 moves stand between you and minutes-long approval.
3 moves stand between you and minutes-long approval.
PassportIQ is the financial identity you own, update once, and share with any lender — forever. Today it prepares you for a mortgage. Tomorrow it follows you through every financial decision of your life.
⚡
3 missing documents are holding your score back by ~9 points
Tax returns, debt statements, and down payment proof — upload them now to unlock your full readiness picture
Passport Score
74 /100
↑ +7 pts since last run
Affordability Est.
$320–380k
Based on income & DTI
Doc Readiness
57%
3 of 7 still missing
Est. DTI Ratio
41%
Target: below 43%
Profile Strength
How underwriters read your file today
Credit ProfileStrong
Income StabilityHealthy
Debt-to-IncomeModerate
Savings / Down PaymentNeeds Work
Document Completion57%
Priority Actions
Highest-impact moves for your score right now
1
Complete document vault
+9 estimated passport points from 3 missing docs
2
Automate down payment savings
Savings is your biggest gap — target $18k total reserve
3
Freeze new credit applications
Each hard pull risks 5–15 points — protect what you've built
4
Audit all 3 credit bureau reports
Dispute any errors — even small ones shift your rate tier
Readiness Assessment
7 questions · 3 minutes · No credit impact · Generates your live passport score
What's your estimated credit score?
The single most important factor in mortgage pricing. A rough range is all we need — zero hard pulls here.
Total monthly debt payments?
All recurring obligations: car, student loans, credit card minimums, personal loans — combined.
Gross monthly income (before taxes)?
All stable, verifiable sources: salary, self-employment, rental, alimony, disability, etc.
Savings available for down payment + closing?
Closing costs add 2–5% on top of down payment. Both must be liquid and documented.
Employment over the last 2 years?
Lenders want consistent, verifiable income. Field changes, gaps, and self-employment all have specific documentation rules.
When are you hoping to buy?
Your timeline determines how aggressively we sequence your action plan.
What property type are you targeting?
Property type affects loan programs, down payment minimums, and underwriting standards.
✓
Passport updated.
Your readiness score has been recalculated.
—
—
Readiness Snapshot
How a mortgage underwriter reads your financial profile right now
74
out of 100
Building Momentum
FoundationEarlyMomentumReady
Close to lender-ready. Savings and document completion are the final gap.
Area Breakdown
Credit ProfileStrong
700–740 supports competitive conventional options. Keep utilization low and payments on time.
Debt-to-IncomeModerate
~41% DTI is within range. Targeted paydown opens better loan products and rate tiers.
Income StabilityHealthy
Steady W-2 is the most straightforward income type for lenders to document and verify.
Savings PositionNeeds Work
Your most impactful improvement area. Building to $18k–$25k significantly strengthens your application.
Financial Overview
From latest assessment
Credit score range700–740 (self-reported)
Gross monthly income$7,000–$8,500
Monthly debt payments$1,500–$2,000
Estimated DTI~41% Moderate
Savings available$10,000–$18,000
EmploymentW-2, steady
Purchase timeline3–6 months
Top 3 Priorities
Biggest ROI in next 90 days
Priority 1 · Savings
Build your down payment reserve
Automate monthly transfers — this moves the needle most
Priority 2 · Documentation
Complete your document vault
3 docs still needed. Full vault = faster underwriting
Priority 3 · Credit
No new credit applications
Hard pulls can cost 5–15 points — protect what you've built
Borrower Profile
Your live financial passport — what lenders see when you share
Score to Ready Tier
+11
Points needed (target 85)
Savings Goal
$18k
Down payment + closing costs
Documents
4 /7
3 still needed
Affordability
$320–380k
Est. purchase range
Readiness Progress
Credit Readiness78%
Income Verification82%
DTI Optimization55%
Savings Progress32%
Document Completion57%
Profile Summary
Mar 11, 2026
Credit score700–740
Gross income$7,000–$8,500/mo
Monthly debts$1,500–$2,000
Est. DTI~41%
Cash to close$10,000–$18,000
EmploymentW-2 steady
Timeline3–6 months
Workspace Tools
Document Vault
The 7 core documents every lender needs. Track, upload, and stay organized.
Core Documents
Mark gathered; upload files
4 / 7
ready
Document readiness57%
Last 2 years W-2s
All employers, previous two tax years
Last 2 years tax returns
Complete personal returns including all schedules
Recent pay stubs (30 days)
Most recent 30 days of pay history
Bank statements (2–3 months)
All accounts used in the loan
Government-issued photo ID
Driver's license, passport, or state ID
Debt account statements
Credit cards, auto loans, student loans
Proof of down payment funds
Statements or gift letters showing source
Upload Files
📂
Drag & drop mortgage documents
W-2s · Tax returns · Pay stubs · Bank statements · IDs
📁 Income
W-2s, returns, stubs
📁 Assets
Bank & investment
📁 Liabilities
Debt statements
📁 Identity
IDs & residency
v2.0 · Auto-Sync
Documents that update themselves
Connect payroll (Argyle), bank (Plaid), and IRS (4506-C). Your vault refreshes automatically — no uploads, ever.
Argyle
Plaid
IRS 4506-C
Experian
90-Day Readiness Plan
Month-by-month actions. Check off tasks — your passport score updates with progress.
1
Month 1 — Stabilize
Protect your record, build the foundation
Set autopay on all debt accounts
Payment history = 35% of your score. Remove human error entirely.
Reduce credit card balances below 30%
Under 10–20% is optimal — credit utilization is the second biggest factor
Pause all new credit applications
Hard pulls cost 5–15 points each. Hold until after closing.
Open dedicated down payment savings account
Separate it — makes progress visible and funds clearly sourced for underwriting
2
Month 2 — Strengthen
Build reserves, clean docs, credit audit
Automate savings transfer every payday
Target 1–3 months of estimated housing costs saved by end of month
Upload all missing vault documents
Tax returns, debt statements, down payment proof —
Pull & review all 3 credit bureau reports
Free at AnnualCreditReport.com — dispute any errors before applying
Delay major purchases and new financing
Cars, appliances, furniture — hold until after closing to protect DTI
3
Month 3 — Ready to Apply
Finalize everything, engage lenders
Maintain stable financial activity across all accounts
No large unexplained deposits, no big swings — underwriters scrutinize last 2–3 months
Confirm down payment + closing cost total
Verify funds are clearly sourced — gift letters needed if any came from family
Complete vault to 100%
Full file cuts average close time by 8–12 days
Share passport with 1–2 lenders
Lender Report
A complete, lender-ready summary. Share directly or download as PDF.
PassportIQ
Mortgage Readiness Report
Jordan Davis · March 11, 2026
74/100
Building MomentumBorrower Overview
Target timeline3–6 months
Property typePrimary residence
Est. purchase range$320,000–$380,000
Financial Profile
Credit score range700–740 Strong
Gross monthly income$7,000–$8,500
Monthly debt payments$1,500–$2,000
Estimated DTI~41% Moderate
Cash to close (est.)$10,000–$18,000 Limited
EmploymentW-2 steady Verified
Document Status
W-2s (2yr)Ready
Tax returnsPending
Pay stubsReady
Bank statementsReady
Photo IDReady
Debt statementsPending
Down payment proofPending
Top Lender Priorities
1.Build savings — Target $18k+ to cover down payment, closing costs, and reserves.
2.Complete 3 documents — Tax returns, debt statements, and down payment proof needed.
3.Reduce DTI — Current ~41% is manageable; dropping to 38% opens better programs.
Educational and planning purposes only. Not a mortgage application, pre-approval, or commitment to lend. All figures are borrower-provided estimates requiring independent lender verification.
Share This Report
Permissioned · Revocable · Secure
No passwords or account numbers included. Revoke access at any time.
Strengthen Before Sharing
⚠3 documents missing
⚠Savings position is weakest signal
✓Credit profile is strong — maintain it
✓Income stability well documented
Lender Network · Beta
Reach 85 — skip the broker
Score 85+ and push your passport to 40+ lenders for real-time pre-qualification in minutes.
Education Hub
Plain-language guides built for first-time buyers. Personalized to your actual profile gaps.
Recommended for your profile
Start here: How much down payment is actually required
Your savings position is your weakest area. This guide covers 3%, 5%, 20% options, gift funds, and assistance programs.
Credit & Approval
How credit scores affect your mortgage rate and approval odds
What lenders look for, which bureau matters most, and how each score range changes your options.
Read guide →
Debt-to-Income
Understanding your DTI and why every lender calculates it
The front-end vs. back-end formula, what the limits are, and exactly how to move the number.
Read guide →
⭐ Your profile · Savings
How much down payment is required for your first home
3%, 5%, and 20% options compared. Gift fund rules, first-time buyer assistance programs, and what's actually realistic.
Read guide →
Underwriting
What happens inside the mortgage underwriting process
Every step, what triggers delays, and how to keep your file moving cleanly from submission to clear-to-close.
Read guide →
Loan Products
FHA vs. Conventional vs. VA vs. USDA — which loan fits you
Side-by-side comparison of every major loan type, their requirements, and who each one was designed for.
Read guide →
Closing Day
What to expect on closing day — from signing table to keys
Who will be there, every document you'll sign, how much cash to bring, and exactly how the final hour works.
Read guide →
Pre-Approval
Pre-qualification vs. pre-approval — and why sellers care
What each means, why one gets offers accepted and one doesn't, and how to get the strongest letter possible.
Read guide →
Rate Shopping
How to shop 3+ lenders without damaging your credit score
The rate-shopping window, how bureaus treat mortgage inquiries, and what to actually compare across Loan Estimates.
Read guide →
v2.0 · Coming Soon
How to read and compare Loan Estimates side by side
The form every lender must send you within 3 business days — and how to decode what it's really saying.
Available in v2.0
Ready to take the full assessment?
7 questions · Generates your live passport score and personalized action plan
Lender Network
The marketplace layer — share your passport with verified lenders, receive real decisions in minutes.
The missing layer in American mortgage origination
From 43 days to 43 minutes.
No broker. No paper. No waiting.
No broker. No paper. No waiting.
When your passport reaches 85+, you push it to our verified lender network. They see your complete, verified financial identity — and respond with real pre-qualification decisions. This is what the industry has been missing for 30 years.
Minutes, not months
Pre-qualification responses from multiple lenders simultaneously — without re-submitting paperwork to each one.
Borrower-controlled
You decide which lenders see what, for how long. Revoke any share link instantly from your dashboard.
Program-matched
Lenders see your full profile and respond with products that actually fit — not generic rate sheets.
Network Partners
Verified lenders joining PassportIQ
Rocket Mortgage
United Wholesale
Chase Home Lending
loanDepot
Better Mortgage
Pennymac
Freedom Mortgage
+40 regional lenders
The Long Game
PassportIQ is not a mortgage tool.
It's the financial identity Americans never had.
Every American rebuilds their financial story from scratch — for every lender, every landlord, every major financial decision, their entire life. Banks own your data. Bureaus own your data. You own nothing. PassportIQ is the persistent, verified, borrower-owned financial identity layer that fixes that. Permanently.
$1.7T
Annual U.S. mortgage origination volume — processed almost entirely on paper
43 days
Average time to close a mortgage in the U.S. — unchanged for decades
47 docs
Average documents touched per mortgage file by a loan officer
$12k
Average cost to originate a single residential mortgage — mostly labor
The problem PassportIQ solves — for every stakeholder
Today — Broken
Buyer gathers 47 docs from scratch. Submits to one lender. Waits 30–45 days. Gets denied or approved. Repeats for next home purchase. Repeats for refinance. Every. Single. Time.PassportIQ — Fixed
Buyer builds passport once. It lives on their phone forever. Updates automatically. They share it with one tap. Any lender, any time, any transaction — in minutes. The financial story follows the person, not the bank.Broker Today
Manually collects and re-verifies documents for every client. Spends 60–70% of time on admin. Earns $8,000–$15,000 per transaction. Limited to 30–50 closings per year.Broker with PassportIQ
Clients arrive passport-ready. Broker focuses on strategy and negotiation. 60% less admin time. More closings per year. Higher value-add, stronger client relationships.Lender Today
Receives incomplete files. Sends stips (conditions). Waits on borrower. Loses deals to faster competitors. Pays $12k+ per originated loan in processing cost.Lender with PassportIQ
Receives verified, structured data. No stips for standard docs. Days-long underwriting becomes hours. CAC drops. Pull-through rate climbs. Competitive advantage in speed.Platform Roadmap
10 phases. One identity layer.
Each phase compounds on the last. The passport gets more valuable every year — for users, lenders, and the platform.
NOW
Phase 1 — Mortgage Readiness Platform
The product you're holding. Assessment → passport score → document vault → 90-day plan → lender-ready report. Builds the habit of financial self-knowledge in first-time buyers.
YR 1
Phase 2 — Live Data Integrations
Connect Plaid (assets), Argyle (payroll), Experian API (credit), and IRS 4506-C (taxes). The passport stops being self-reported and becomes verified. This is when approvals start moving in minutes instead of days.
YR 2
Phase 3 — Lender Marketplace
Passport-holder pushes their profile to a network of 50+ verified lenders simultaneously. Lenders respond with real pre-qualification offers. This is the "Kayak for mortgages" moment — but the buyer owns the data, not the platform.
YR 2–3
Phase 4 — Broker & Agent Tools
Agents and brokers get a professional dashboard. Clients share passports with their broker instead of uploading to random portals. Broker sees deal pipeline, readiness progress, and document status for every client in one place. SaaS revenue layer begins.
YR 3–4
Phase 5 — AI Underwriting Assistant
PassportIQ begins doing the underwriter's first pass in real time. A borrower's live data is continuously run against each lender's current guidelines. The passport doesn't just tell you where you stand — it tells you which lender will approve you right now, and at what rate.
YR 4–5
Phase 6 — Refinance & Life Events Layer
The passport doesn't disappear after closing. It stays active, monitors rate conditions and your financial profile, and alerts you when a refinance makes mathematical sense. Marriage, divorce, job change, inheritance — the passport becomes your lifelong financial co-pilot.
YR 5–6
Phase 7 — Rental & Landlord Network
35% of Americans rent. Landlords verify income and credit the same broken way lenders do. PassportIQ extends the passport to the rental market — a renter shares their passport with a landlord instead of faxing pay stubs. New revenue stream, same identity layer.
YR 6–8
Phase 8 — Auto, Personal Loans & Credit Cards
The passport is a verified financial identity. Auto dealers, personal loan providers, and credit card issuers face the same document problem. PassportIQ licenses the identity layer as an API — a "financial passport as infrastructure" play. Think: Plaid, but for the borrower side.
YR 8–10
Phase 9 — PassportIQ Score (Proprietary Metric)
With millions of verified passport holders and transaction outcomes, PassportIQ builds a proprietary creditworthiness model that outperforms FICO for mortgage approval prediction. Lenders license the PassportIQ Score directly — a new credit scoring standard built on behavioral and real-time financial data.
YR 10+
Phase 10 — The Universal Financial Identity Layer
PassportIQ becomes the verified financial identity standard — the way Americans store, control, and share their financial identity across every institution, for every financial decision, for life. The network effect is complete. Every lender, landlord, and financial institution integrates. The passport belongs to the person. Always.
Why this is defensible — the 5 moats
Data Network Effect
Every completed passport, every lender outcome, every approval and denial makes the AI smarter. The model gets better with scale in a way no competitor can replicate without the same data.
Builds from Year 1
Integration Lock-in
Once a buyer's Plaid, Argyle, and credit connections live inside PassportIQ, switching means rebuilding everything. The passport becomes infrastructure, not a product.
Activated at Phase 2
Lender Relationship Moat
Lenders who build workflows around PassportIQ-formatted data can't easily go back. The more lenders integrate, the more valuable the network for borrowers — classic two-sided marketplace flywheel.
Critical at Phase 3
Proprietary Score
A PassportIQ Score built on real outcome data outperforms FICO at mortgage prediction. Once lenders trust it, it becomes a new industry standard — generating licensing revenue and cementing the moat.
Emerges at Phase 9
Consumer Trust & Identity
You're not a mortgage app. You're the place people manage their financial identity. Trust is compounded over years. A borrower who used PassportIQ to buy their first home will use it for their refi, their second home, their kids' first homes.
Compounding always
Investor Thesis
The case for PassportIQ.
A $22M seed round builds the data infrastructure, API integrations, and lender network that makes Phase 1 the foundation of a generational platform — not just another mortgage tool.
The Market Opportunity
The mortgage industry handles $1.7T annually
on a process designed in 1986.
on a process designed in 1986.
No borrower-owned identity layer exists. Every transaction rebuilds from zero. The player who builds the verified financial identity standard wins one of the largest financial infrastructure categories in the world.
$1.7T
Annual mortgage volume — our immediate market
$14T
Total consumer lending (auto, personal, HELOC) — Phase 8 expansion
130M
U.S. households — the total addressable passport market long-term
Revenue Model — 5 Streams
Stream 1 · Consumer SaaS
$9–$29/month subscription
Pro tier unlocks live data sync, lender network access, and AI coaching
Stream 2 · Lender Referral
$800–$2,500 per qualified referral
Passport-matched borrowers sent to lender network on request
Stream 3 · Broker SaaS
$150–$400/month per seat
Professional dashboard for brokers managing passport-ready client pipelines
Stream 4 · API Licensing
Usage-based enterprise pricing
Identity verification API licensed to lenders, auto dealers, and landlords
Stream 5 · Score Licensing
Per-pull score licensing to lenders
PassportIQ Score — proprietary FICO-challenger built on outcome data
Comparable Exits & Benchmarks
Plaid$13.4B
Financial data connectivity — same infrastructure thesis, bank side
Blend Labs$4.0B
Mortgage origination software — lender-side, no borrower identity
Better.com$7.7B
Direct lender with digital UX — owns the transaction, not the identity
FICO$18.9B
The score standard. PassportIQ builds the next one — with real-time data.
PassportIQ potential$10–25B
Borrower-side identity infrastructure + score + marketplace = unique combination no existing player owns
The whitespace nobody has taken
Plaid owns bank-to-app connectivity. Blend owns lender workflow. FICO owns credit scoring. Nobody owns the borrower's financial identity. That's the gap. That's PassportIQ.
Use of $22M Seed Round
$8M
Data Infrastructure & API Integrations
Plaid, Argyle, Experian, IRS 4506-C integrations. The live-sync layer that turns the passport from self-reported to verified.
$7M
Lender Network Build-out
Lender partnerships, compliance infrastructure, API gateway for bi-directional passport sharing. Goal: 25 lenders in network by month 18.
$4M
Product & Engineering
Full-stack team to build the consumer mobile app, broker dashboard, and underlying passport data model.
$2M
Compliance & Legal
FCRA, RESPA, ECOA compliance framework. State licensing where required. SOC 2 Type II certification.
$1M
GTM & Growth
First-time homebuyer acquisition channels: real estate agent partnerships, credit union programs, NACA/HUD partnerships.