Julia Vakulenko

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  • $279,000
  • 2 Beds
  • 2 Baths
  • 1,966 Sq.Ft.

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Newest listings

MLS# O5486141

Delightful 2/2 villa located in the popular Daventry Square community with pool. The master has a walk in closet & private bath. Daventry Square is convenient to Pinellas Trail, beaches & marinas. All Information recorded in the MLS is intended to...
Visit this property in PALM HARBOR: 452 THANINGTON CLOSE DR #452, PALM HARBOR

MLS# T2860337

Not a Short Sale, Not a bank owned property. This 7 bedroom 2 bath home is perfect for a seasoned or novice investor. The home features new 4 ton AC Unit and Air handler, new fencing, and hardwood flooring throughout. Currently leased as a...
Visit this property in TAMPA: 1905 E 22ND AVE, TAMPA

MLS# T2859023

This 3 bed | 2 bath home is located in the desirable Carrollwood area of TARAWOOD, situated on a large, private lot at the end of a culdeĀ­sac. Vaulted ceilings, wet bar, and a wood burning fireplace are just some of the features. This property was...
Visit this property in TAMPA: 3211 TARABROOK DR, TAMPA

MLS# U7804697

Home has 2 bedrooms, 2 bathrooms, an additional sun room and a garage. Enjoy the outdoors in the sun room with windows on 3 sides. Inside laundry. Well-maintained home and very accessible to major highways, shopping and airports.
Visit this property in PINELLAS PARK: 5007 SPRINGWOOD AVE N #00, PINELLAS PARK


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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