VA FAQ #9 - Should I get a VA Pre-Qualification or VA Loan Pre-Approval?

Mortgage and Lending with VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender NMLS 220268 / 3035

VA FAQ #9 - Should I get a VA Loan Pre-Qualification or VA Loan Pre-Approval?

YES.   You should get a full VA Loan Pre-Approval before shopping for a Home when planning to use VA Loan Financing from a Direct Lender that specializes in VA and VA Jumbo Loans, such as VanDyk Mortgage.

Why should I get Pre-Approved vs Pre-qualified?  A VA Mortgage Loan Pre-Approval from a VA direct lender is superior to a simplistic VA Loan Pre-qualification.   Our VA Loan Pre-Approval means we have reviewed your documentation, qualifications, credit report, and any special circumstances particular to your situation to ensure that you qualify for a new VA Purchase Loan, or VA Jumbo Purchase Loan (even more complicated, but we know how to make these work).

A pre-qualification is simply a discussion and possibly a credit pull, no documentation is required, and the person reviewing does not have nearly enough information to make a reliable decision of VA Loan Qualification.

It is extra important to get fully Pre-Approved for your VA Loan or VA Jumbo Loan when you have experienced a Foreclosure, Bankruptcy, or Short Sale.   We can help you determine upfront if and when you will be ready to buy again.    We allow Veterans to qualify for VA Jumbo Loans as soon as 2 years after Bankrupty and Foreclosure, 2 years after a delinquent Short Sale, and shorter timelines after a Short Sale that was not delinquent at the time of sale, or prior 12-24 months.   Call us direct to review your particulars,  as each case is truly unique and we can often help Veterans qualify that other Lenders have turned down.

This is part 9 of our VA FAQ series for Frequently Asked VA Loan Questions.    FAQ = Frequently Asked Questions, and when it comes to VA & VA Jumbo Loans, we get plenty of questions and we have the answers for you.   We have been making VA Loans since 1987 and are a Direct Lender offering both VA Loans and VA Jumbo Loans for the Purchase or Refinance of your Primary Home.   Please give us a call to get help with your VA Loan or VA Jumbo Loan questions, and see if you qualify for a VA Home Mortgage - 866-900-2342 toll free direct,  or contact us online at   We offer VA Loans, VA Jumbo Loans (aka VA High Balance Loans) for purchase, refinance and VA IRRRL streamline thoughout our service area:  California, Colorado, Georgia, Indiana, Massachusetts, Michigan, Mississippi, Tennessee, Texas, Virginia, Washington and Wyoming.   Give us a call to get started today - 760-752-4480


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Brian Skaar

VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
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