Julia Vakulenko

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MLS# U8005688

Enjoy Tampa Bay and Gulf of Mexico BOATING ACCESS from the neighborhood ramp. This exclusive waterfront community is located at the top of Old Tampa Bay, surrounded by water and natural conservation offering marina, private boat ramp & lift, as...
Visit this property in TAMPA: 10620 HATTERAS DR, TAMPA

MLS# U8005297

The EFFICIENT Kitchen with a Breakfast Bar & Butler's Pantry are designed for people who cook and entertain at the same time & the COZY Dining area is perfect for daily meals. The VERSATILE Bonus Room is where you can get away without going away....
Visit this property in SEMINOLE: 10218 THURSTON GROVES BLVD, SEMINOLE

MLS# T3109787

8 acres of land is cleared and ready for build with wooded privacy remaining on rear of lot. Located in the heart of the current Wesley Chapel growth area, you are within 2 minutes of Shops at Wiregrass and Tampa Premium Outlets without the hassle...
Visit this property in WESLEY CHAPEL: 6131 BRIDLEFORD DR, WESLEY CHAPEL

MLS# T3109729

Dust free hand scraped wood flooring throughout the home (tile in the baths) invites you in. The formal dining room is at the front of the home, the centrally located kitchen with granite (impressive travertine backsplash) and stainless appliances...
Visit this property in VALRICO: 4704 RED WARBLER LN, 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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