Julia Vakulenko

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MLS# U8085934

Beautifully remodeled pool home in a convenient part of Northeast St. Short trip to the popular entertainment in downtown, easy drive to the infamous 4th St. No expense spared, new laminate floors/trim throughout, new bathrooms new kitchen with...
Visit this property in ST PETERSBURG: 726 37TH AVE NE, ST PETERSBURG

MLS# U8003152

This rare two-story two bedroom condo in the resort style community of Itopia is a must-see with a spacious open floorplan, vaulted ceilings, wood floors and a cozy fireplace. Enjoy a beautiful view of the water from two balconies as you live the...
Visit this property in ST PETERSBURG: 10265 GANDY BLVD N #1502, ST PETERSBURG

MLS# U8021592

MOTIVATED SELLER and willing to negotiate. This 5th floor Spacious 2 bedroom, 2 bath is a corner unit with spectacular water views AND. Recently renovated as well as newer kitchen cabinets, Maytag (Washer, Dryer, dishwasher) and refrigerator. The...
Visit this property in ST PETERSBURG: 5200 BRITTANY DR S #501, ST PETERSBURG

MLS# T3130417

Priced to sell. This unit showcases tile flooring throughout along with motorized blinds and custom crafted valances in EVERY room. NEW stainless-steel GE Profile appliances were installed in September 2018 to complement the open concept chef’s...
Visit this property in INDIAN ROCKS BEACH: 940 GULF BLVD #203, INDIAN ROCKS 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.

 

The Home Buying Process:

 

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Taxes, CDD, HOA, and Homestead:

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