Julia Vakulenko

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MLS# T3222703

Here's your chance to own an income producing property on just shy of 10 acres in an Extremely fast growing area between Riverview and Wimuama. Sumner road has just been widened to accommodate for a new community still in construction just a few...
Visit this property in WIMAUMA: 11015 SUMNER RD, WIMAUMA

MLS# T3296465

The living area provides the perfect indoor/outdoor living space with bi-folding glass doors to the lanai. The open concept kitchen is an entertainer's dream come true with updated appliances and tons of storage. In addition, the A/C was replaced...
Visit this property in TAMPA: 3212 STONEYBROOK LN, TAMPA

MLS# T3284573

Pre-Construction. To be built. This two-story Chardonnay w/“Charme” elevation includes 4BR/4 Bath, Pool/Spa, Extended Lanai, Outdoor Kitchen, 4 Car-Attached Garage, + 2 Car Garage Detached, on 1+ acre lot. Large kitchen with island, includes...
Visit this property in ODESSA: 16128 CARENCIA LN, ODESSA


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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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