Julia Vakulenko

Featured properties: See ALL


Newest listings

MLS# U7794307

Great floor plan, large rooms and closets, also includes a 400 sq ft. Plenty of room for boat or RV parking Great central Clearwater location. Sought after school district. Drive is on Brentwood.
Visit this property in CLEARWATER: 1255 S KEENE RD, CLEARWATER

MLS# T2846746

A formal living room with brick fireplace, large formal dining room and huge eat in kitchen beyond is the ideal setting for entertaining your friends. The super sized master bedroom with great closet and storage space is sure to please. Out back...
Visit this property in TAMPA: 713 E CARACAS ST, TAMPA

MLS# T2846747

Beautiful Ventana of Carrollwood Subdivision. The house has beautiful arches and columns, vaulted ceilings and formal dining room and living room. The subdivision is located very near Citrus Park Mall and restaurants, TIA and Veterans Expressway....
Visit this property in TAMPA: 5807 AVENTURA CT, TAMPA

MLS# T2846711

Looking for a large home on a private road where you can park your boat, RV and toys then you have found it. Big front yard that leads to a nice porch. You can also access the screened in pool area from this room. AC unit was new in 2012.
Visit this property in VALRICO: 3104 FAIRLEA LN, VALRICO


Alternatives to Forclosure
Escape Foreclosure! (Foreclosure Options)

If you have experienced increased expenses, reduced income, or other hardship and are having trouble making your mortgage payment, you are not necessarily doomed to the devastation of foreclosure. Here are six options you may have to keep your house, if you cannot make your current mortgage payments, are about to default on your mortgage, or feel like you are going into “pre-foreclosure” status:

1. Refinance: You simply get a new mortgage loan and pay off your old (unaffordable) loan with the new one.

2. Repayment Plan: You work with your lender on structuring a repayment plan you can live with – one that lets you catch up on your missed payments by paying more than one full payment per month until you are current on your mortgage.

3. Forbearance Program: You work with your lender to delay or to suspend all (or a part) of your normal monthly payment for an agreed-upon period of time. You may roll the “suspended” payments into the existing mortgage loan, or you may make those payments as part of a repayment plan or loan modification, as agreed between you and your bank(s).

4. Loan Modification: You work with your lender to change the original terms of your mortgage loan. You may be able to change your interest rate, the duration of the loan, or the amount of the loan (adjusted by the amount that you are behind in paying).

5. Short Refinance: You work with your lender to obtain an adjustment or “forgiveness” of the actual principal portion of the balance. This may be used with Forbearance and Repayment Plans.

6. Bankruptcy: You may change your original terms of your mortgage loan as part of a bankruptcy filing, order, reorganization, or repayment plan.

All of these methods require you to be able to make a payment that the Bank agrees with and to make it on-time every month.

If you have encountered a hardship, income reduction, or increase in expenses that prohibits you from participating successfully in any of these programs or that will simply delay the inevitability of foreclosure because you’re actually unable to make acceptable payments, even under modification or other attempt to adjust your mortgage burden, you may need to consider a Short Sale to escape foreclosure and its devastating effects on your life.

For more information on what a Short Sale is and how it can help you, please feel free to call 813-671-6657 for a free consultation or email: info@tampa4u.com