Julia Vakulenko

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MLS# L4910058

Under Construction. Downstairs, enjoy an open layout including a spacious gathering room, Granite in the kitchen with island, and dining cafe. With features designed for your life, the Skylar includes a spacious mudroom off the garage boasting a...
Visit this property in RIVERVIEW: 13828 HARVESTWOOD, RIVERVIEW

MLS# U8003743

The Kitchen features Corian countertops, tiled and nice Cabinets. The location of this home is close to the pool with the bonus of visitor parking just steps away. This location is close to the Veteran Expressway with easy access to Tampa,...
Visit this property in LAND O LAKES: 17503 HUGH LN, LAND O LAKES

MLS# U7813585

Sunsets over Gulf of Mexico. NEW exterior painting, railings, hurricane windows/sliding glass doors, HVAC, on-demand hot water system, interior walls, appliances, flooring, finishes and much more. 40' boat slips are available for sale separately...
Visit this property in CLEARWATER: 223 ISLAND WAY #6H, CLEARWATER

MLS# U7803680

  The adjacent den also has sliders that open to the balcony.   This condo is being offered FURNISHED.   Live the Innisbrook Lifestyle. Innisbrook condo owners have the option to participate in the Resort’s optional Rental Pool program (condos in...
Visit this property in PALM HARBOR: 36750 US HIGHWAY 19 N #20205, PALM HARBOR


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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.

 

The Home Buying Process:

 

Types of Resale in Today's Market:

 

Taxes, CDD, HOA, and Homestead:

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