— Pre-Qualify

Your pre-qualification process, step by step.

Buying a home starts with one simple question: where do your numbers stand today? Here’s exactly how we get you that answer — clearly, quickly, and without the guesswork.

— Tu Realtor, Anticomunista

Because when it’s time to close, “yo te cierro como una lata de leche.”

— Step 1

Schedule a quick consultation call.

The first step is easy — book a short call with our team. This conversation helps us understand your situation: are you a first-time buyer, or are you looking at a second property? Every path is different, and this call sets the direction for everything that follows.

Schedule your call →

— Step 2

Want the full picture? Send us your documents.

If you want a real, detailed answer on how much you can qualify for, the next step is preparing your documents. Once we have your official information, we’ll set a new appointment to walk you through exactly where your numbers stand today — so you know in detail what you can access right now, and where you may need to improve.

— Documents to prepare

✓Tax returns, last 2 years (personal and/or business, if applicable) — include all pages with W-2 and/or 1099 forms
✓Most recent bank statement (personal and/or business, if applicable) — include all pages
✓Last 3 pay stubs (if applicable)
✓Photo/copy of your driver’s license or ID
✓Most recent mortgage statement/bill (if applicable)
✓Copy of your homeowner’s insurance policy (if applicable)
✓Current employer contact information (reference name, phone number, and email)

Note: if you’ve been at your current job less than 2 years, please provide the same information for your previous employer.

— How long does it take?

The timeline is in your hands.

The process only takes as long as it takes you to send us your documents. Once we receive them, you’ll have your estimates in as little as 48 hours.

— When do we run your credit?

Only once you’re ready.

We only run your credit once you’re confident about starting your home search in the location that works for you, backed by estimates that actually make sense. That way, when the right property comes along, we’re ready to move fast with your pre-approval letter in hand — the document that makes any offer you submit truly valid.

— Every situation has a plan

No perfect numbers? There’s still a path forward.

Maybe your down payment isn’t where you’d like it to be. Maybe your taxes don’t tell the full story of your income. Whatever the challenge, there’s a solution. Our job is to find yours — start by telling us where you stand.

— Schedule a consultation

Ready to find out where you stand?

Takes about a minute — we’ll reach out to schedule your consultation call.

Pre-Qualify · FAQ

Pre-qualification questions

What does it mean to get pre-qualified for a mortgage?+

Pre-qualification is an early estimate of how much you may be able to borrow, based on the income, assets, and debts you share with a lender. It helps you set a realistic budget before you start touring homes.

How long does pre-qualification take?+

It is usually quick — often a short conversation or online form that can be completed the same day. Full pre-approval, which involves document verification, takes longer.

Does pre-qualification affect my credit score?+

A basic pre-qualification often uses a soft credit check, which does not affect your score. A hard inquiry, used later for pre-approval or a full application, can have a small temporary impact.

What documents do I need to get pre-qualified?+

For a basic pre-qualification you mainly provide income, debt, and asset information. Pre-approval typically requires pay stubs, tax returns, bank statements, and identification.

Is pre-qualification the same as pre-approval?+

No. Pre-qualification is a preliminary estimate; pre-approval is a stronger, verified commitment from a lender that carries more weight with sellers when you make an offer.

Quick survey

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Please take a moment to complete this survey. What you share is essential for understanding your current situation and defining the best buying strategy for you. At Vera Vita, we believe in guiding you with clarity and transparency at every stage. Your information allows us to offer you real, personalized advice aligned with your life.

Your answers are confidential and only used to prepare for your consultation.