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Reach your dreams in

VHDA's free Homebuyer class

Are you thinking about buying a home, but not sure where to start, especially in challenging economic times? VHDA's free First-time Homebuyer Class can help. Due to COVID - 19 we are not holding in person classes.  During this time you can take the class online,  

Click Here,  to Sign Up or contact: Rasheika Jackson: Email:

  Phone: 804-562-4803 with any questions.   

We will keep you posted with updates.

What is Pre Qualification?

Being prepared is one of the smartest things you can do to help the home buying process run smoothly. Getting prequalified gives you an idea of what your loan program and the amount you can borrow, might look like in advance. This can give you a big advantage at different stages of your house hunt. From preparing your budget and setting your expectations, to strengthening you negotiating position with the seller when making an offer on a home.

  • Provides an estimate of your borrowing power.

  • Is based on information you provide verbally about your income, assets, and sometimes a credit check.

  • Can often be done online.

  • Is offered by most lenders at no cost.

  • Is not comprehensive and therefore is not guaranteed or considered any type of loan commitment.

Pre-qualification is neither pre-approval nor a commitment to loan; you must submit additional information for review and approval.

Why Get Pre-Qualified

Once you’ve built your budget and know how much of a monthly payment you can comfortably afford, getting prequalified allows you to estimate the loan amount and type that’s right for you. Then, when you’re searching for a home, you’ll know which homes are in your price range.

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