Julia Vakulenko

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MLS# T2857972

Hill Country Estates is nestled among rolling hills, Grand Oak trees and natural Florida splendor, with a beautiful oak lined relaxed play golf course accessible by golf cart. This home features 4 large bedrooms, 3. Because of the “Insulated...
Visit this property in DADE CITY: 0 HIDDEN VIEW CIR, DADE CITY

MLS# T2863290

. Neighboring Goodwill Retail Center, Dollar General Store, Walgreens and other major retailers. One block from Florida Strawberry Festival Grounds. Abundant Cash flows from Strawberry Festival Parking for the Festival Patrons.
Visit this property in PLANT CITY: 2402 W BAKER ST, PLANT CITY

MLS# E2205993

We have Financial Statements to show. ,an escrow reserve startup of $500. ,the Phase 1 interior renovation that is calculated to be about $11K. It is fully furnished,beautifully appointed,& centrally located for a 5-minute walk to the Resort...
Visit this property in WESLEY CHAPEL: 4748 FOX HUNT #930/932, WESLEY CHAPEL

MLS# U7845979

Perhaps the most perfect marriage of beach and bay yet. A self-contained Marina home offering water views, a 2+ car garage and about 70 steps to the most sought after sugar sand beach within the United States. Framed in the iconic burnt orange...
Visit this property in CLEARWATER BEACH: 525 MANDALAY AVE #24, CLEARWATER 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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