Julia Vakulenko

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Newest listings

MLS# T2871380

This almost new, absolutely stunning 4 bedroom, 3 bath Craftsman Style home located in a quaint Odessa neighborhood is ready for new owners. Upstairs the size of the loft/game room/media room/bonus room will WOW you. The loft TV is even included....
Visit this property in ODESSA: 8217 NECTAR RIDGE CT, ODESSA

MLS# U7812463

The open floor plan is perfect for entertaining. The spacious living area featuring vaulted ceilings overlooks the canal allowing you to take in the beauty of the water or sit in your separate dinging area where you can also take in the views. The...
Visit this property in REDINGTON SHORES: 17735 1ST ST E, REDINGTON SHORES

MLS# T2871058

30 acres. No HOA means bring the toys, trucks & bikes & store them in the EXPANSIVE backyard with NO BACK-YARD neighbors. The freshly painted front door welcomes you into the GREAT ROOM Plan complete with WOOD-BURNING FIREPLACE & VOLUME CEILINGS....
Visit this property in LUTZ: 17821 CRANBROOK DR, LUTZ

MLS# T2870955

Must see. The large rear yard is fenced in to create privacy when conducting outdoor activities, entertaining, and relaxing by the screened in pool. This home will not last long. Schedule showing today.
Visit this property in SEFFNER: 222 HALTON CIR, SEFFNER


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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