Julia Vakulenko

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MLS# U8018717

The balcony has electric hurricane shutters. The entrance to the condo is bright and approx. The unit is being sold fully furnished/turn-key. Guest parking is plentiful.
Visit this property in NORTH REDINGTON BEACH: 16500 GULF BLVD #351, NORTH REDINGTON BEACH

MLS# U7810774

Under construction. 60% sold out. Minutes from Pier 60, Pura Vida allows for shopping and dining while maintaining the convenience and seclusion only offered by an exclusive 22-unit building. After enjoying a day discovering all that the top rated...
Visit this property in CLEARWATER BEACH: 15 AVALON ST #6H/603&604, CLEARWATER BEACH

MLS# T3156139

Under Construction. Under Construction. Community will feature walking trails, high end fitness center, pool, spa, tennis court, pickle ball court, yoga/meditation/prayer room, movie room, luxurious clubhouse with dining hall featuring...
Visit this property in WESLEY CHAPEL: 29817 GANGA WAY, WESLEY CHAPEL

MLS# U7813840

Completion estimated Sept/Oct 2020. Buy now to choose your finishes. Located on the tranquil northern end of Clearwater Beach, this stunning hideaway offers privacy, serenity, and spacious units at the height of luxury. View the dazzling expanse...
Visit this property in CLEARWATER BEACH: 15 AVALON ST #4C/403, CLEARWATER 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.

 

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Taxes, CDD, HOA, and Homestead:

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