Julia Vakulenko

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MLS# W7631103

Completely fenced in and sits on a corner lot. The spacious kitchen provides plenty of updated cabinets, a walk in panty and plenty of space to whip up fantastic meals. Dining room sits just off kitchen for convenience. Perfect spot for...
Visit this property in SPRING HILL: 18052 ALEXSON ST, SPRING HILL

MLS# T2889029

Enjoy this PERFECTLY situated 4 bedroom, 3 bathroom, 2 car over sized garage, pool home located in the desirable community of Hickory Hills, with no CDD and a low $20/year HOA. This home has been very well maintained by its only owners who have...
Visit this property in SEFFNER: 611 PENN NATIONAL RD, SEFFNER

MLS# U7823340

New roof and A/C in 2013. The spacious eat in kitchen is accompanied by an entire wall of cabinetry for additional storage space as well as a pass through window to the oversized screened in patio/porch. Don't miss out. Contact me today for your...
Visit this property in PALM HARBOR: 2952 MACALPIN DR N, PALM HARBOR

MLS# T2888827

You are going to love the HUGE EXTENDED, SCREENED AND COVERED lanai with custom brick pavers to enjoy RELAXING or ENTERTAINING your guests. Upon entering, you’ll love the INVITING CHERRY FLOORS throughout most of the first floor (including the...
Visit this property in LAND O LAKES: 4012 DUKE FIRTH ST, LAND O LAKES


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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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