Julia Vakulenko

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MLS# U7792559

Super cute home with car-stopping curb appeal. privacy fenced backyard with double gated entry for secured parking, Paver Patio & Parking, Firepit, landscaping including sodded front yard, shrubbery, mailbox, house numbers, light fixture, and...
Visit this property in ST PETERSBURG: 3235 21ST ST N, ST PETERSBURG

MLS# U7791272

Affordable living in a fabulous location. Many tasteful update have been made to include new flooring, new lighting, and freshly painted. Run don't walk. Live the DREAM make the MOVE.
Visit this property in SEMINOLE: 9209 SEMINOLE BLVD #169, SEMINOLE

MLS# U7792495

You have found it. This move in ready home is just minutes to Downtown St. Petersburg, world renowned beaches, Clearwater, Tampa and the interstate. The spacious and private backyard has a wonderful open patio to enjoy the Florida evenings.
Visit this property in ST PETERSBURG: 4824 10TH AVE N, ST PETERSBURG

MLS# T2841996

This 3 bedroom 2 bath home sits on a 0. With no visible backyard neighbors there is lots of privacy here. There is a 2nd building efficiency behind the home and also a small barn for extra storage. With some elbow grease and imagination, this...
Visit this property in VALRICO: 1211 LADY ELAINE DR, VALRICO


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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.

 

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Taxes, CDD, HOA, and Homestead:

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