mortgage_ready

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.

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

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
    }
  }
}

Fields

Field	Type	Description
`event`	string	Always `"mortgage_ready"`
`timestamp`	string	ISO 8601 timestamp
`lead_id`	integer	Credzu’s unique identifier
`partner_lead_id`	string	Your internal ID (if provided)
`details.verified_scores.experian`	integer	Current Experian score
`details.verified_scores.equifax`	integer	Current Equifax score
`details.verified_scores.transunion`	integer	Current TransUnion score

Recommended Actions

Alert the loan officer immediately

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

Update CRM status

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

Prepare loan documentation

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

Schedule follow-up

Ensure the borrower is contacted promptly to maintain momentum.

Why This Event Matters

This event represents the completion of the “credit rescue loop”:

✅ Loan was initially declined due to credit
✅ Borrower was referred to Credzu
✅ Credit scores improved over time
✅ 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.

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

Overview

Endpoints

Webhooks

mortgage_ready

Overview

When It’s Triggered

Payload

Fields

Recommended Actions

Why This Event Matters

Verified Scores

​Overview

​When It’s Triggered

​Payload

​Fields

​Recommended Actions

​Why This Event Matters

​Verified Scores

Overview

When It’s Triggered

Payload

Fields

Recommended Actions

Why This Event Matters

Verified Scores