Julia Vakulenko

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MLS# U8025501

Perfect starter home or for someone looking to downsize. Move in ready. Beautiful bamboo flooring throughout. Gorgeous bathroom vanity.
Visit this property in ST PETERSBURG: 3308 25TH ST N, ST PETERSBURG

MLS# U8025396

Upon entering your home, the living room, dining room and kitchen are open concept - ideal for entertaining guests. There is also an enclosed Florida room which is accessed through the sliding doors in the dining room. Roof 2018. Water heater 2012.
Visit this property in SEMINOLE: 11755 81ST AVE, SEMINOLE

MLS# T3143586

Double width driveway accommodates multiple cars or possibly a boat. And, no flood insurance required. This home is centrally located between US19, downtown New Port Richey and Trinity. Hospital, dining and shopping are all moments away.
Visit this property in HOLIDAY: 3434 PALOMA DR, HOLIDAY

MLS# U8023054

Location. The lovely home is convenient to everything: shops, restaurants, cinema, groceries, schools, churches, hospitals, highway, airport. The property features 3 bedrooms and 2 bathrooms, a split open floor plan provides privacy for both...
Visit this property in TAMPA: 5012 COUNTRY HILLS DR, TAMPA


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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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