FOR PEOPLE WHO THINK DIFFERENTLY
You're about to lose $200,000.
(And your lender won't tell you)
Most buyers use a credit score to decide.
That's like using a map when you need a compass.
Introducing Decision Readiness Intelligence™
The average American loses $197,000 buying at the wrong threshold.
Not because they couldn't afford it. Because they shouldn't have bought it.
Five minute Decision Readiness Intelligence™ assessment • No credit card • Instant results
Assessments Completed
Told to Wait (Grateful)
Average Rating
Why the old tools fail
Credit scores tell you if lenders will approve you.
They measure your borrowing history. They don't ask if you're emotionally ready or if the timing is right.
Financial advisors tell you if the numbers work.
They run affordability calculations. But they earn commissions when you buy — so "wait" is rarely the answer.
Budgeting apps tell you where your money goes.
They track spending. They don't measure confidence, market timing, or readiness to commit.
Decision Readiness Intelligence™
The first system to measure if you should make the decision.
Not just affordability. Not just desire. Not just timing. All three, aligned.
Three rings. Three truths.
Readiness isn't one thing. It's the alignment of three forces.
The Outer Ring
Financial
Money is just the first ring. Income, savings, debt, credit. The foundation, not the finish line.
The Middle Ring
Emotional
Desire is the second ring. Confidence, stability, clarity. You can afford it, but do you actually want it?
The Inner Ring
Temporal
Timing is the key. Market conditions, your timeline, external forces. Right person, right decision, wrong time = wrong answer.
The Threshold Compass
When all three rings align, the compass becomes a key.
Three dimensions. One clear answer.
Why this didn't exist before
The gap nobody filled. Until now.
Credit Scores
Measure borrowing ability
Your FICO tells lenders if you'll pay them back. It doesn't ask if you're emotionally ready or if timing is right.
Budgets
Measure spending habits
Your budget shows where money goes. It doesn't measure confidence, clarity, or market conditions.
The Gap
No one measured SHOULD
Nothing measured Decision Readiness Intelligence™—whether you're financially, emotionally, and in terms of timing aligned.
Decision Readiness Intelligence™
A new category for measuring the most important thing: whether you SHOULD make the decision.
Not just affordability. Not just desire. Not just timing. All three, aligned.
The Manifesto
Credit scores created a category: Creditworthiness.
Fitness trackers created a category: Quantified Self.
We're creating a new one: Decision Readiness Intelligence™.
Not another productivity tool.
Not another financial calculator.
Not another therapy app.
The first intelligence built to answer the question no one else asks:
"Should you make this decision RIGHT NOW?"
Starting with homes. Then cars. Then careers. Then investments. Then every threshold moment that defines your life.
Before & After
See the transformation in 5 minutes
Before HōMI
- ✗Overwhelmed by conflicting advice from lenders, realtors, family
- ✗Worried you're missing something critical in the biggest decision of your life
- ✗Unsure if you're emotionally ready or just being sold a dream
- ✗Paralyzed by fear of making a $200,000 mistake
After HōMI
- ✓Crystal clear on your Financial Reality, Emotional Truth, and Market Timing
- ✓Confident decision backed by Decision Readiness Intelligence™
- ✓Data-driven roadmap showing exactly what to fix and when
- ✓Peace of mind knowing you're making the RIGHT decision at the RIGHT time
👆 Drag the slider to see the transformation
LIVE DECISION FEED
Sarah just scored 87 and discovered they're READY
2 min ago
Join 4,247+ people who've discovered their Decision Readiness Intelligence™
The Evolution of Readiness
Watch particles transform from chaos into clarity
Scattered
Three dimensions in chaos
Hundreds of particles move from chaotic scatter to synchronized rings, mirroring your journey to readiness
Each particle responds to physics and your mouse, creating organic movement that feels alive
At perfect alignment, particles flow together to form a key—your signal to unlock the threshold
How It Works
Simple, honest, and designed to give you clarity, not confusion.
Take the Decision Readiness Intelligence™ Assessment
Answer questions about your finances, emotions, and timing. No judgment. Just data. Takes about 10 minutes.
Get Your Decision Readiness Intelligence™ Score
See your Threshold Score across all three dimensions. Understand where you're strong and where you need work.
Start Your Journey
Choose your AI companion, get your personalized roadmap powered by Decision Readiness Intelligence™, and make progress with honest guidance.
Privacy guarantee: Your data is encrypted and never sold. We don't make money from selling your information. We make money when you succeed.
Trusted by home buyers across America
Real people. Real scores. Real decisions.
Assessments Completed
Told to Wait (And Grateful)
Average Rating
Jessica K.
Seattle, WA • Score: 78
"I was so close to buying, but HōMI showed me my emotional readiness was low. I waited 4 months, worked through my anxiety, and bought with zero regrets. Best $30k I didn't waste."
David M.
Austin, TX • Score: 84
"My financial advisor said 'you can afford it.' HōMI showed me I was actually READY — financially, emotionally, and in terms of timing. Closed last month. Game changer."
Alicia L.
Denver, CO • Score: 71
"Finally, something that asks the RIGHT questions. Not just 'can you afford it' but 'should you do this?' The three ring system is brilliant."
Robert & Chen
Portland, OR • Score: 82
"We were arguing about timing. HōMI gave us the data to make a joint decision. Both got scores in the 80s and bought together. Relationship saved."
Trusted & Secure
Threshold Stories
We're honest. Sometimes the answer is "wait."
SARAH'S SCORE
Wanted a house in San Francisco
"HōMI told me to wait. I was crushed. But six months later, I got promoted, paid off debt, and my score hit 81. I bought the right house at the right time."
Status: Closed 3 months ago, 73 → 81
MARCUS'S SCORE
First time buyer in Austin
"I thought I needed to save more. HōMI showed me I was ready; my timing and emotional clarity were there. Bought last month. Zero regrets."
Status: Closed 4 weeks ago, score 85
Starting with homes. Then cars. Then investments. Then everything.
Every threshold needs a guide
Your AI companion uses Decision Readiness Intelligence™ to adapt to how you think and what you need.
The Analyst
Pure data. Hard numbers. Shows you scenarios, ranges, and risks.
The Optimist
Helps you see possibilities. Builds confidence. Focuses on what could go right.
The Navigator
Step by step roadmap. Creates timelines. Breaks down complex decisions.
Transparent Pricing
No hidden fees. No commissions. No conflicts of interest.
Free Assessment
- ✓Complete Threshold Score across all 3 dimensions
- ✓See your readiness breakdown
- ✓Understand where you stand
No sales commissions. We don't make money when you buy a house, car, or investment. We make money when you pay us directly for honest guidance.
Common Questions
How is this different from a financial advisor?
Financial advisors focus on affordability: whether you can make the numbers work. HōMI uses Decision Readiness Intelligence™ to focus on readiness: whether you should make the decision. We look at financial, emotional, and temporal factors. Plus, we have no conflicts of interest: we don't sell products or earn commissions.
Is my data secure?
Yes. Your data is encrypted in transit and at rest. We never sell your information to third parties. Ever. We make money from subscriptions, not from your data.
How long does the Decision Readiness Intelligence™ assessment take?
About 10 minutes. We ask questions about your income, savings, debt, job stability, life goals, relationship status, market conditions, and timeline. It's thorough but not overwhelming.
Do I need to be buying a house to use this?
Not at all. We're starting with homeownership because it's the biggest decision most people make. But Decision Readiness Intelligence™ works for any major decision: buying a car, changing careers, making an investment, starting a business. More categories coming soon.
What if you tell me I'm not ready?
Good. That's the whole point. We'll show you exactly what's holding you back and give you a roadmap to get ready. Sometimes "not yet" is the best answer, and the hardest one to hear from anyone else.
Can I change my AI companion?
Yes, anytime. You might want The Analyst when crunching numbers, The Optimist when feeling stuck, and The Navigator when planning next steps. Switch as often as you need.
What's the free trial?
Try Full Access free for 14 days. No credit card required. If it's not for you, no hard feelings; you keep your assessment results forever.
Ready to find
your threshold?
No sales pitch. No hidden agenda. Just honest guidance powered by Decision Readiness Intelligence™ for life's biggest decisions.
🎁 Refer 3 friends who join, unlock premium features free
Already have an account? Sign In
Decision Readiness Intelligence™: A new category for a new era