How long does it take to get pre-qualified?

The questionnaire takes under two minutes. A loan officer follows up within one business day with matched program options.

Will this pull my credit?

No. Pre-qualification asks for a self-reported credit range. A formal credit pull only happens later with your written consent during a full loan application.

Do you finance investment properties?

Yes. Vestra finances investment properties through DSCR, non-QM, bank statement, hard money, and bridge programs, including fix-and-flip and ground-up construction.

What is the minimum credit score?

Programs are available across the credit spectrum. The form collects credit ranges starting below 640 — a loan officer matches each borrower to the best-fit program.

Is pre-qualification a commitment to lend?

No. Pre-qualification is non-binding for both parties. Final approval requires a full application, credit verification, documentation, and underwriting review.

Mortgage Pre-Qualification

Investment property, or home you plan on living in?

This helps us match you to the right loan programs.

Owner Occupied I'll live in this property Investment Property Rental, flip, or BRRRR

Are you a first-time investor?

No wrong answers — both paths qualify for our programs.

1st Time Investor This is my first property Experienced Investor I've closed deals before

Are you purchasing, refinancing, or cashing out?

Tell us what type of financing strategy you're looking for.

Purchasing Refinancing Cashing Out

How is your credit?

A range is fine — we'll pull a soft credit check later.

What's your current liquidity?

Cash, savings, and brokerage you could access for closing.

Purchase price or refinance amount?

Our minimum loan amount is $75,000, up to $20,000,000.

Please enter an amount between $75,000 and $20,000,000.

What's the property address?

Depending on location we may have specific programs.

Street Address

Street Address Line 2

City

State

Zip Code

Please enter the property's street, city, state, and zip.

Legal first and last name of the primary borrower?

Your identity is protected. No spam, ever.

First Name

Last Name

Please enter your full legal name.

What's your email address?

We'll send your pre-qualification summary here.

Please enter a valid email address.

Mobile phone number?

We only call when there's a real offer. No spam.

Please enter a valid 10-digit US phone number.

Thanks, we've got it.

A loan officer will reach out shortly.
To get pricing now, book a quick call below.

Mortgage Pre-Qualification — Vestra Funding