Home Buying Resources

Learn How Much Financing You Qualify For

Determining how much you can afford is a crucial first step in the home buying process. But you don't have to go digging for information about financing, reputable Charlottesville lenders, or the best type of mortgage product — we've made it easy to get pre-qualified for a loan! Ready to get started?


open door to your new home

Is Pre-Qualification Necessary for Buying a Home?

While getting pre-qualified or pre-approved for a mortgage isn't required to buy a home in Charlottesville or Albemarle County, it is highly recommended. Understanding your financing options is a crucial first step toward buying your next home, since getting pre-qualified or pre-approved will allow you to know how much you can afford. In fact, there are three major benefits of getting pre-qualified or pre-approved for a mortgage.

Why Should I Get Pre-Qualified for a Mortgage?

reason 1 why pre-approval helps buyers

You Know What You Can Afford

Once you have spoken with a lender about your financial history (or taken the necessary steps to be pre-approved), you know how much financing you will qualify for — in other words, you will know what price range you can afford.

reason 2 why pre-approval helps buyers

Your Home Search Gets Easier

Because you know how much you can afford for your home in Charlottesville or Albemarle County, you will be able to filter out thousands of listings when searching for homes and instead focus on just the properties that you'll love.

reason 3 why pre-approval helps buyers

Sellers Take Your Offer Seriously

If you're competing with other buyers for a property, you need a way to make your offer stand out without bidding more than you can afford. If you have a pre-approval letter, the seller knows you have qualified for financing and will consider your offer.


house-hunters getting pre-qualified for a loan

Start the Pre-Qualification Process

It's easy to start the mortgage pre-qualification process. Simply fill in the form below, and a member of The Chase Team will contact you shortly with next steps.