Julia Vakulenko

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MLS# W7807121

Beautiful 3 Bed, 2 Bath, 2-car garage home located in The Carriage Pointe subdivision. The home features Maples cabinetry, Granite throughout the kitchen and bathrooms. No rear neighbors which give you more privacy in the back Double sinks in the...
Visit this property in GIBSONTON: 12040 GRAND KEMPSTON DR, GIBSONTON

MLS# W7807131

Two bedroom home near New Port Richey post office. Come see if this home is a good fit for you. Being sold AS-IS for seller convenience. Property was obtained through foreclosure.
Visit this property in NEW PORT RICHEY: 6734 CARNELIAN AVE, NEW PORT RICHEY

MLS# U8025459

Remodeled throughout with modern wood looking tile floors. An enclosed Florida room is the perfect place to enjoy the peaceful views of the lake. Centrally located to Clearwater/Westfield mall, numerous restaurants and the beach. Hurry schedule...
Visit this property in CLEARWATER: 2526 LAURELWOOD DR #7-A, CLEARWATER

MLS# T3143142

Move-in ready townhome/location. New lush landscaping and exterior paint (2017) enhances the curb appeal. Enter into spacious living/dining room combination with neutral tile flooring and plenty of natural light. Kitchen highlights include pass...
Visit this property in TAMPA: 6349 BAYSIDE KEY DR, TAMPA


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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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