> ## Documentation Index
> Fetch the complete documentation index at: https://docs.credzu.com/llms.txt
> Use this file to discover all available pages before exploring further.

# mortgage_ready

> Sent when the borrower meets credit criteria and is ready to return

## 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.

<Warning>
  This event requires immediate action. The borrower is ready to proceed with their loan application.
</Warning>

## 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

```json theme={null}
{
  "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

<Steps>
  <Step title="Alert the loan officer immediately">
    This is the highest priority event. The loan officer should contact the borrower within 24-48 hours.
  </Step>

  <Step title="Update CRM status">
    Mark the lead as "Mortgage Ready" or "Ready to Close"
  </Step>

  <Step title="Prepare loan documentation">
    The borrower's credit profile has improved - begin preparing for the new application.
  </Step>

  <Step title="Schedule follow-up">
    Ensure the borrower is contacted promptly to maintain momentum.
  </Step>
</Steps>

## 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**

<Tip>
  Borrowers who receive prompt follow-up after the `mortgage_ready` event have significantly higher close rates. Speed matters.
</Tip>

## 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