Julia Vakulenko

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MLS# A4194175

The main living area continues, through to the dining room, that boosts a large formal setting, that would make any gathering one to remember. The extended Family Room, into the Eat-In Area offers panoramic views over the pool to the sparkling...
Visit this property in SARASOTA: 318 N WASHINGTON DR, SARASOTA

MLS# A4193153

New price. This Peridia home outshines the rest. Bathrooms are all updated with granite/quartz and new tile shower and tile floors. Truly the nicest home in the entire area.
Visit this property in BRADENTON: 4922 PERIDIA BLVD E, BRADENTON

MLS# G4846186

Situated on a premium lot in Whisper Bend, the open concept floor plan and abundant windows allow for stunning lake views. With a Western exposure, every evening provides a breathtaking sunset, reflected on the lake. His and her closets (one walk...
Visit this property in BRADENTON: 6318 67TH ST E, BRADENTON

MLS# U7829358

***direct gulf front***. This unit is a 1 bedroom suite with separate living area. Completely turnkey with no work required. Units have been recently renovated and are fully furnished.
Visit this property in ST PETE BEACH: 5500 GULF BLVD #4211, ST PETE BEACH


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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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