Virginia Horse Farms

Specializing in fine equestrian properties and estate homes in the Northern Virginia area, with referrals nationwide.

Asking the right questions
  • Before you start looking for a new home, you should consult with a mortgage professional to see how much you can afford to spend. This will help you to spend your search time more wisely when you start visiting possible homes to purchase. If this is your first time, the questions below should help you to organize your information.           
  • What is my credit score?
  • If my score needs improvement, what do I need to do?
  • How long will it take to bring my score up?
  • What will my interest rate be?
  • Will my rate be fixed or adjustable?
  • Is it better to pay a higher interest rate or should I pay some points to get a lower rate?
  • How much money will I need for a down payment?
  • What will my closing costs be?
  • How much will the principal and interest payment be each month?
  • How much can I afford to spend on a home?
  • How long will it take to obtain a prequalification for my mortgage?
For mortgage information, click on the link below


This link will provide you with all the information you need to obtain a mortgage, check your credit, and find out how much you can afford to spend.

Note: clicking on this link will direct you away from this site. Please make a note of where you are now so you can return at a later time.


What not to do

If you are preparing to apply for a mortgage, please consult with a mortgage professional before making any changes to your financial situation. Paying off all your credit cards or making a payment on an old debt could actually lower your credit score!

How long will it take?

Preliminary loan approval usually takes only a few days. Your home search can take longer, but will be easier if you provide your agent with a list of "must have" and "would like" features. Once your contract is accepted, allow 30-60 days for the paperwork to be completed. If you are dealing with a short sale, the time frame could be considerably longer. Don't forget to make application for homeowner's insurance within 7 days of contract acceptance!

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