Julia Vakulenko

Featured properties: See ALL


Newest listings

MLS# W7624120

All appliances in kitchen stay, stainless steel sink, breakfast bar, pantry and granite counter tops. Inside laundry has a convenient closet for extra storage. There is a work shop and storage in the two car garage. Tennis, bocce ball, pickle...

MLS# A4167585

First Time Available, Original Owners. Separate Storage Shed in back yard. Inside Laundry Room and attached 2-car garage. This home has been lovingly cared for by owners.
Visit this property in PALMETTO: 4523 29TH AVENUE CIR E, PALMETTO

MLS# U7795903

Inviting Living room off the entry set apart for more formal entertaining and a Family Rm perfect for relaxing family times at the rear of the home. Large center island for the cooking enthusiast, counter bar and adjacent Dining area. Relax in the...
Visit this property in SEMINOLE: 13760 87TH PL, SEMINOLE

MLS# U7795860

Sitting back from the quiet street on a beautiful lot with a circular driveway of crushed shell and Florida-friendly landscaping is this well-maintained, block constructed, mid-century ranch style home. With 1230 SF; 3 bedrooms, 2 full baths,...
Visit this property in ST PETERSBURG: 5424 14TH AVE N, ST PETERSBURG


Getting Pre-Approved

Financing a home can be a difficult process if you are not looking for the right loan for you. What you need to be concerned about is not getting the financing, but getting the right financing. You will want to look for the best terms at the lowest cost. If you want to review your financing options, you will need to meet with a lender who can explain all of the different types of loans that you will be able to afford as well as the program that will help you meet your goals. Once you determine with the lender how much you can afford, you will be able to narrow down your housing search to specific neighborhoods.

After you meet with your loan officer who has reviewed your finances, the officer will let you know what type of mortgage and what the loan amount he thinks you can qualify for. The lender will then provide a pre-approval letter that shows your borrowing power.

Your pre-approval letter is not a final commitment for the loan, but it is a necessary step in order to look at homes with an agent. Some require, and some recommend it. It shows that you will have the ability to complete the purchase of a home. Otherwise, agents and sellers could think you are just wasting their time. Sellers do not want to get into the final hours before closing and find out that the buyer cannot get financing.

Also, if you don’t meet in advance with a loan officer, you could be rushed into making a decision about your financing without taking the time to think about what is best for you. Once an offer is accepted by the seller, it becomes a contract and a specific time frame will be given to get your financing in place. It is a strain to try and get a lender and find a loan program once you have already found the house that you want to buy.


The Home Buying Process:


Types of Resale in Today's Market:


Taxes, CDD, HOA, and Homestead:

© Copyright 2008 - 2016