My Home Pathway – Mortgage Readiness Platform

Overview

My Home Pathway is a financial readiness platform designed to help everyday people become mortgage-ready before ever applying for a home loan. Instead of simply rejecting users, the product identifies why they are being denied and provides a clear, personalized path to approval.

I was responsible for designing an experience that removed fear, confusion, and shame from a traditionally intimidating process, and replaced it with clarity, confidence, and actionable guidance.

Problem

Many potential homebuyers are financially capable but get denied because they don’t understand how lenders evaluate them.
The mortgage process is:

• Confusing

• Filled with financial jargon

• Emotionally discouraging

• Lacking transparency

Users didn’t need another calculator. They needed a clear roadmap.

Goal

Design a product that:

• Explains why a user is being denied

• Shows exactly what to fix

• Creates trust around sensitive financial data

• Feels supportive, not judgmental

• Turns “not yet” into a visible, achievable “yes”

Design Approach

I focused on three core principles:

• Clarity over complexity
  Financial data was broken into simple, understandable components so users could immediately see what mattered most.

• Progress, not pressure
  The experience was structured to feel like improvement, not failure. Every screen reinforced movement forward.

• Trust through transparency
  Visual hierarchy, tone, and microcopy were designed to communicate security, privacy, and honesty with user data.

Key UX Contributions

• Designed a dashboard that translates credit, income, and debt into understandable readiness indicators

• Created a step-by-step improvement plan UI that prioritizes what users should fix first

• Structured onboarding to reduce drop-off when connecting financial accounts

• Simplified mortgage readiness scoring into human language, not financial jargon

• Designed flows that emphasize preparation, not rejection

• Supported accessibility and inclusivity in visual design and language

Key UI Decisions

• Clean, calm visual language to reduce financial anxiety

• Strong contrast and hierarchy to guide decision-making

• Friendly typography paired with professional FinTech branding

• Emotional imagery focused on hope, ownership, and progress

• Consistent design system supporting scalability across lenders and partners

Impact

The design helped:

• Shift the narrative from denial to empowerment

• Increase user confidence in sharing financial data

• Improve engagement by showing immediate, personalized valueSupport partnerships with banks, credit agencies, and financial institutions

This project required balancing:

• Emotional sensitivity

• Financial accuracy

• Product trust

• Scalable design

It was a real example of how UX can directly impact financial equity.

Reflection

This project showed how powerful UX becomes when it isn’t just about interface design, but about changing how people experience systems that shape their future.

My Home Pathway wasn’t just a FinTech product.
It was a bridge between confusion and ownership, between “no” and “not yet.”