Julia Vakulenko

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MLS# T2917914

Under Construction, Contract Date: 7/30/17 he award-winning Gasparilla is an innovative two-story design perfect for active families and most especially those who love to entertain. The dramatic foyer, dining room and grand room feature soaring...
Visit this property in APOLLO BEACH: 6132 SHADOWLAKE DR, APOLLO BEACH

MLS# A4203333

Energy efficient with state of the art lighting. The outdoor area is the perfect escape from reality with poolside movie theatre with 144' screen, spacious with heated pool surrounded by tropical, easy to care for greenery. Easily convert the loft...
Visit this property in BRADENTON BEACH: 2302 AVENUE B, BRADENTON BEACH

MLS# U7841188

The smooth top range, dishwasher and refrigerator are included with the sale. Windows over the double sink help one have an eye to the outside world while doing necessary chores. There is an open and compact family room area in addition to the...
Visit this property in LARGO: 21 ROYAL PALM CIR #21, LARGO

MLS# T2917831

This great home features privacy galore with a large fenced yard and extra large screened patio. The master suite is located on the first floor and has a spacious walk in closet. Two additional bedrooms are located upstairs with ample closet...
Visit this property in LUTZ: 22644 SAINT THOMAS CIR, LUTZ


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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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