FAQ

Yes, GetWyz is completely free to use. There are no hidden fees or surprise charges to access the software. You do have the option to work with GetWyz Mortgage, our independent mortgage brokerage, if you decide to purchase a home. Working with GetWyz Mortgage is completely optional.

GetWyz is available on iOS and web. Coming soon to Android devices. Join Android Waitlist.

No. GetWyz doesn't track your daily spending or tell you to cut out lattes. It helps you build a homebuying plan that answers the real questions: when you'll be ready to buy, which loan could be right for you, and whether you'll be able to afford it after you close.

Yes. Your data is protected with bank-level security standards.

Your HomeOwner Day is the earliest month and year when you are in the best financial position to purchase a home, calculated around your finances, goals, and life.

Your HomeOwner Day runs on WyzCalc, our proprietary methodology. It takes your real numbers, income, debt, savings, credit, and spending, and runs them through a range of financial scenarios with various generic mortgage options to pinpoint the earliest you are financially ready to buy. Then it goes a step further and checks that you'll be able to afford your life after you buy.

No. Your HomeOwner Day is not an AI guess. The math comes from WyzCalc, our own methodology built specifically for homebuying by a team with decades of experience in financial services, and it runs on your real numbers. We use AI to help build our software, never to calculate your date. So where a general AI assistant would hand you a generic answer, GetWyz gives you a real date and a plan built for you.

Both. Your HomeOwner Day comes with to-dos to keep you on track to reach it.

That's ok. A HomeOwner Day that's further out isn't bad news. You'll see exactly what's moving your date and what would move it closer. You will have a plan of what you need to do to reach that date. And as your life changes, you can come back and update the plan to see if your HomeOwner Day changed.

Getting a new job, a raise, moving to a place with different expenses, or having a child may change your HomeOwner Day to sooner or later. We recommend updating your plan at least every 30 days to make sure it remains current and reflects your financial situation. Reviewing your plan once a month also empowers you to keep an eye on the impact of mortgage rates on your HomeOwner Day.

Yes. You can always ask what's driving your date by reaching out to our Homebuying Success team. Email us here.

A pre-approval is issued by a lender and requires you to go through full underwriting. This means the lender will need to pull your credit and you will need to provide official documentation to verify information such as your income and assets. GetWyz tells you when you'll be ready, factoring in where your finances are headed, not just where they stand right now. Once you have a HomeOwner Day, a pre-approval is the next step in the process.

No. Your HomeOwner Day is calculated before you should ever consider a mortgage provider. You're free to shop for a mortgage with anyone when the time comes. A benefit of working with GetWyz Mortgage is that they are a mortgage broker. This means they automatically shop your situation across 8 of the top lenders for you. In addition, we can send your data directly to them to complete a majority of the information needed to get started. Combining these two benefits saves you significant amounts of time and effort when working with GetWyz Mortgage.

We don't pull your credit. GetWyz uses the credit score you enter to calculate your plan. We won't share your data either, unless you choose to work with GetWyz Mortgage for pre-approval or your mortgage. A benefit to working with GetWyz Mortgage is that you don't have to start from scratch. We can send your data directly to them to complete a majority of the information needed to get started.