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Overview

The mortgage_ready event is the most important webhook for partners. It indicates that the borrower has achieved the credit score improvements needed to qualify for a mortgage and is ready to return to the loan officer.
This event requires immediate action. The borrower is ready to proceed with their loan application.

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When It’s Triggered

  • Borrower’s credit scores meet mortgage qualification criteria
  • Credit repair goals have been achieved
  • Borrower is ready to re-engage with the loan process

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Payload

{
  "event": "mortgage_ready",
  "timestamp": "2025-04-18T10:30:00Z",
  "lead_id": 44921,
  "partner_lead_id": "FBHL-55672",
  "details": {
    "verified_scores": {
      "experian": 645,
      "equifax": 640,
      "transunion": 643
    }
  }
}

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Fields

FieldTypeDescription
eventstringAlways "mortgage_ready"
timestampstringISO 8601 timestamp
lead_idintegerCredzu’s unique identifier
partner_lead_idstringYour internal ID (if provided)
details.verified_scores.experianintegerCurrent Experian score
details.verified_scores.equifaxintegerCurrent Equifax score
details.verified_scores.transunionintegerCurrent TransUnion score
1

Alert the loan officer immediately

This is the highest priority event. The loan officer should contact the borrower within 24-48 hours.
2

Update CRM status

Mark the lead as “Mortgage Ready” or “Ready to Close”
3

Prepare loan documentation

The borrower’s credit profile has improved - begin preparing for the new application.
4

Schedule follow-up

Ensure the borrower is contacted promptly to maintain momentum.

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Why This Event Matters

This event represents the completion of the “credit rescue loop”:
  1. ✅ Loan was initially declined due to credit
  2. ✅ Borrower was referred to Credzu
  3. ✅ Credit scores improved over time
  4. ✅ Borrower is now ready to close the loan
Borrowers who receive prompt follow-up after the mortgage_ready event have significantly higher close rates. Speed matters.

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Verified Scores

Unlike score_update events which show gains, the mortgage_ready event includes actual verified scores. These scores are based on recent credit pulls and can be used to:
  • Determine loan product eligibility (FHA, VA, Conventional)
  • Calculate potential interest rates
  • Assess overall creditworthiness