For discussion purposes only. This worksheet produces a preliminary, self-reported estimate. It is not a loan application, pre-approval, or commitment to lend, and no credit report is pulled here. Actual eligibility, rate, and loan amount depend on full underwriting, credit review, and verification of income, assets, and employment.
Who's completing this form?
Referring Realtor / Partner Information
Please complete the borrower sections below to the best of your knowledge on behalf of your client.
Borrower Contact Information
Co-Borrower Contact
What are you looking to do?
Purchase Details
Refinance Details
Current Housing Situation
If you're keeping your current home (not selling), its payment will be counted as an ongoing monthly debt below.
Employment & Income
Borrower
Co-Borrower
Other Income Sources (Social Security, pension, alimony, rental, disability, etc.)
Assets
Total liquid assets: $0
Liabilities (monthly payments)
Total monthly debt (excl. new/current housing payment): $0
Credit
Rate & Estimate Assumptions (editable — click to expand)
Defaults seeded from Freddie Mac's Primary Mortgage Market Survey (week of Aug 13, 2026: 30-yr 6.67% / 15-yr 5.96%). Adjust anytime — these drive every estimate below.
Set by Loan Officer
Homeowners insurance defaults automatically to 0.5% of purchase price per year (÷12) once a purchase price is entered. Edit it directly to override that estimate for a specific borrower.
Optional. When set, office notifications and approved Pre-Qual Letters are sent automatically through this endpoint. Leave blank to fall back to opening a pre-filled email in your default mail app instead. See the note below the action buttons for setup.
Prequalification Estimate
Updates automatically as you fill in the form.
Household Gross Monthly Income
$0
Est. Monthly Housing Payment
$0
Total Monthly Debt (incl. housing)
$0
Loan-to-Value
—
Front-End DTI (housing ÷ income) — informational
0%No fixed target
Total DTI (total debt ÷ income)
0%Max: 50%
Estimated Affordability (Purchase)
Est. Max Purchase Price
$0
Est. Max Loan Amount
$0
Cash Needed to Close (est.)
$0
Liquid Assets Available
$0
ℹ️
Enter income and loan details to see an estimate
Please complete the following before continuing:
"Get Pre-Qual Letter" always notifies a VIP Lending loan officer, and — for a "Likely Approved" result — generates a preliminary prequalification letter below. Without an Email Automation Webhook configured (Rate & Estimate Assumptions, LO only), this opens a pre-filled email in your default mail app instead of sending automatically.
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Preliminary Prequalification Letter
VIP Lending internal tool — Phase 1 prequalification worksheet. Estimates use standard conventional-style guidelines (editable in "Rate & Estimate Assumptions") and are not specific to any one loan program (FHA/VA/USDA/Conventional) or investor overlay. No credit report is pulled through this tool. Data entered here stays in this browser tab only — nothing is saved automatically, so export the JSON summary before closing the tab if you need to keep it. This worksheet does not collect Social Security Number by design, to keep it clearly a preliminary estimate rather than a completed loan application under Regulation Z.