The KeySteps App gives you a crystal-clear, personalized roadmap to homeownership—based on your real finances, goals, and credit… not guesswork.
They get told what to do.
But no one shows them how to do it.
Everyone’s full of advice.
“Save more.”
“Fix your credit.”
“Buy less coffee.”
But here’s the truth: You need a strategy, not a lecture.
That’s why the KeySteps App was created—to turn uncertainty into action.
✅ A personalized success plan based on your real numbers
✅ A simple breakdown of what you can afford (without starving)
✅ Credit-boosting tips that could save you thousands
✅ A crystal-clear snapshot of your mortgage-readiness—no jargon, no confusion
This isn’t just another calculator. It’s your blueprint.
And the best part? It’s 100% free.
EXCELLENT Based on 13 reviews Jake WahlinTrustindex verifies that the original source of the review is Google. Victor Emmel has been amazing to work with. I will be recommending him to all of my friends and family. Thanks again Victor! Austin RobisonTrustindex verifies that the original source of the review is Google. Victor was great to work with answered all my questions and wad helpful every step of the way Lexi DTrustindex verifies that the original source of the review is Google. Victor is the best. Working with him was so easy! As a first-time homebuyer, there was a lot we didn't know coming into the process, but Victor always explained each option to us in an easy-to-understand way. I always felt as though he had our best interests in mind. He always responded to my communications in a timely manner, and was never frustrated or annoyed by my questions. He helped us close on our house in a little less than a month! I recommend him to anyone!! Makenzie PhippsTrustindex verifies that the original source of the review is Google. Victor is awesome, we have worked multiple transactions with him. He always is so helpful, answers any and all questions! He is wonderful and we would recommend him to anyone getting ready to buy a home. ☺️ Nusha NushaTrustindex verifies that the original source of the review is Google. We had very pleasant experience! Always quick responses, very clear explanations. Everything was done very fast and on time:) Joe MartinezTrustindex verifies that the original source of the review is Google. Victor was wonderful when it came to refinancing my home. He was very professional, kept me updated throughout the whole process and made it very easy during the whole refinance. I will recommend Victor to anyone looking to refinance their home in the future. 5 star service for sure. Dominique WareTrustindex verifies that the original source of the review is Google. Victor is one of the best loan officer's in the state of Utah! Laurie WardTrustindex verifies that the original source of the review is Google. I was trying to refinance my house through my own mortgage company for 4 months we tried to close twice but I would look at the disclosure and the numbers were wrong. They set up a third appointment and I saw they did not change anything on there but expected me to sign it anyway I told them no and I am not doing this again. I contacted Victor Emmel and let him know what happened and he said he could help me and we closed in 3 weeks! Amazing and the numbers were correct! I will continue to use him in the future and tell my family and friends. He is the best! Frank GomezTrustindex verifies that the original source of the review is Google. What an amazing and positive experience!!! It was so refreshing to work with a professional who knows what they are doing!! Going into this my wife and I had high anxiety of hoping we wouldn't get jerked around. Victor from the very beginning made us feel very comfortable and calm about the process. He explained everything to us in detail and not once got frustrated with us for asking the same questions over and over. In fact he said he understood and reassured us everything is moving forward as discussed. He was very knowledgeable and so personable!! When we finally signed the papers and closed, my wife cried in my arms and all I could think about was how awesome Victor was and the great job he did for us! He literally changed our lives for the better and I couldn't say enough good things about him. I highly recommend Victor for any mortgage needs you may have! 5 Stars all the way, thank you Victor!!!!!! Debbie AndrushkoTrustindex verifies that the original source of the review is Google. Victor was so helpful and knowledgeable and I had no worries during my lending process. I would highly recommend.
KeySteps is your personalized roadmap to homeownership. It analyzes your income, credit, debt, and spending—and gives you a custom action plan to get mortgage-ready faster. It’s not a budgeting app or a generic calculator. It’s a step-by-step blueprint built around you.
Not at all. In fact, KeySteps is built for people who aren’t “there” yet.
Whether your credit needs work or you’re just starting out, the app shows you exactly what to improve—and how.
Yep. Totally free.
No subscriptions, no upsells, no gimmicks.
This is part of my mission to help first-time homebuyers like you remove the guesswork from the process and move forward with confidence.
Just a few minutes and some basic info like your income, debts, and spending habits. That’s it. No credit card. No paperwork. You’ll have a full readiness snapshot in less time than it takes to scroll your feed.
Perfect. This app is designed to get you ready.
Whether you’re buying in 6 months or 2 years, the sooner you know where you stand, the sooner you can make smart moves and avoid costly mistakes.
Absolutely. I’m here to help.
Once you’ve got your KeySteps plan, you can reach out to me directly to walk through your results and next steps.
Use the contact button at the bottom of the screen to start a conversation.