CYNDI
Your Financial Future In Focus
Financial Diagnostic — Powered by Kingfluence Financial
Getting started
Getting Started
Welcome to CYNDI
Your personalized mortgage readiness diagnostic. Takes about 8 minutes. Let's start with a few basics.
Required
Required
Please enter a valid email address
🏠 Home Purchase
📈 Other Financial Goal
Required
3–6 months
6–12 months
1–2 years
2+ years
Flexible
Income · 1 of 3
What is your primary source of income?
Select the option that best describes how you earn your income.
💼
W-2 Employed
Salary or wages from an employer
📋
1099 / Contractor
Independent contractor or consultant
🏢
Self-Employed / Business Owner
You own the business you work in
🔄
Irregular / Gig / Seasonal
Income varies month to month
Please select one
How long have you been self-employed?
Under 1 year
1–2 years
2–5 years
5+ years
Have you filed 1099 income on your taxes for the last 2 years?
Yes — 2 or more years filed
Yes — 1 year filed
No — recently switched to 1099
Income · 2 of 3
How long have you been with your current employer or income source?
Less than 3 months
3–12 months
1–2 years
2+ years
Please select one
Were you previously employed in the same field?
Yes
No
📊
Fixed
Same amount every paycheck
📈
Variable
Hourly, commissions, tips, or bonuses
Please select one
What percentage of your income is variable?
Under 25%
25–50%
50–75%
75%+
Income · 3 of 3
Have you had any income gaps or interruptions in the past 24 months?
No — continuous income
Yes — there was a gap
Required
How long was the longest gap?
Under 1 month
1–3 months
3–6 months
6+ months
What caused the interruption?
Laid off / job loss
Illness / medical
Career transition
Business closure
Other
No
Yes
Required
↑ Upward — income is growing
→ Flat — roughly the same
↓ Declining — income has dropped
Required
What is driving the increase?
New job or promotion
Added a side income or second job
Business revenue growing
Seasonal or one-time spike
How long has income been declining?
Under 3 months
3–6 months
6–12 months
Over 1 year
Primary cause?
Reduced hours or pay cut
Lost a client or contract
Job change or transition
Business slowdown
Medical or personal leave
Obligations · 1 of 3
Let's talk about your income and monthly debt payments.
This is used to calculate your debt-to-income ratio — the most important number lenders look at.
Required for scoring
Obligations · 2 of 3
A few more questions about your financial obligations.
No
Yes
No
Yes
No
Yes
No
Yes
No
Yes
Obligations · 3 of 3
Will there be a co-borrower on this application?
A co-borrower is a spouse, partner, or other person who will be on the loan with you. Their income and credit score affect your combined qualification.
👤
No — applying individually
👥
Yes — co-borrower on the loan
Required
Co-Borrower Details
W-2 Employee
Self-Employed
Retired / Fixed Income
Other
Savings & Reserves · 1 of 2
What does your savings picture look like?
Lenders want to see you can cover a down payment and still have reserves after closing.
Required
No
Yes
How many months of expenses does it cover?
Under 1 month
1–2 months
3–5 months
6+ months
Savings & Reserves · 2 of 2
A couple more questions about your assets.
No
Yes
No
Yes
Source of deposit (required by lenders)
Gift from family
Tax refund
Legal settlement
Business proceeds
Other
Credit · 1 of 2
What is your most recent credit score?
You can find your score on Credit Karma, your bank app, or a recent credit report. Enter your best estimate if unsure.
Required
Under 30% — healthy range
30–50% — getting elevated
50–70% — hurting your score
70%+ — significant impact
Required
Home Purchase Details
Based on your credit score, CYNDI will automatically estimate your interest rate and monthly payment.
Credit · 2 of 2
Tell us about your credit history.
Under 1 year
1–3 years
3–7 years
7+ years
Required
None — clean credit history
Late payments (30/60/90 days)
Collections / charge-offs
Foreclosure
Bankruptcy (within 24 months)
Required
No new applications
Yes — 1 to 2
Yes — 3 or more
Purpose of multiple applications
Mortgage shopping
Auto loan
New credit cards
Business financing
Other
Financial Habits
Rate how these statements apply to you.
1 = Never  ·  5 = Always. Be honest — this helps CYNDI give you an accurate picture.
Never
1
2
3
4
5
Always
Required
Never
1
2
3
4
5
Always
Required
Never
1
2
3
4
5
Always
Required
Never
1
2
3
4
5
Always
Required
Never
1
2
3
4
5
Always
Required
Never
1
2
3
4
5
Always
Required
Never
1
2
3
4
5
Always
No
Yes — positive outcome
Yes — mixed / no clear outcome
Documentation
Do you have these documents available?
This helps CYNDI assess how prepared you are for the mortgage process. Answer for each document type.
✓ Yes — available
Partial — one year only
No — not available
✓ Yes
N/A — Self-employed (will provide bank statements)
No
✓ Yes
Partial
No
✓ Yes — all sources documented
Partial
No
✓ Yes
N/A — no large deposits
No
✓ Yes
No — will need to pull tri-merge
Almost There
You are ready to see your results.
CYNDI has everything it needs to generate your personalized mortgage readiness diagnostic, score, and action plan.
What you will receive
✓ Mortgage Readiness Score out of 100
✓ Estimated mortgage-ready date
✓ 6-area financial health breakdown
✓ Personalized step-by-step action plan
✓ Your place in the homebuying journey
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out of 100
Mortgage Readiness Score
Your readiness score
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/ 100
Your estimated move-in date
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—
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⚡
The one thing that needs immediate action
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Your financial health — 6 areas analyzed
Tap any area to see your detailed breakdown
Your personalized roadmap
Where you are in the homebuying journey
The 7 stages of homeownership — tap any stage to learn more
Your journey starts today
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Book Free Consultation
No cost · No obligation · 30 minutes · Book instantly
CYNDI full diagnostic — 6 areas scored
Advisor Brief — Confidential
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CYNDI™ Diagnostic
Unlock Your Full Diagnostic
A one-time fee gives you complete access to your personalized CYNDI Financial Diagnostic — your mortgage readiness score, gap analysis, and action plan.
$49
One-time · No subscription required
Full 6-domain financial readiness score
Personalized mortgage-ready timeline
Up to 16 tailored service recommendations
What-if price comparison scenarios
Advisor notification to Kingfluence Financial
Pay $49 & Continue →
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Questions? Contact us