Julia Vakulenko

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MLS# T2877291

Absolutely Gorgeous Contemporary & completely updated South Tampa home in Heart of upscale BEACHPARK. Everything nearby. BEST Plant High School. Call today for scheduling a showing.
Visit this property in TAMPA: 816 S WEST SHORE BLVD, TAMPA

MLS# W7629205

Pride of ownership shows in this meticulously maintained 4/3/2 pool home on a cul-de-sac. Master Suite boasts a large walk-in closet and Master Bath with dual sinks, garden tub, walk in shower and water closet. New Roof 2007, A/C 2013 & Water...

MLS# C7238707

Dining and living room have laminate floors that were laid upon ceramic. Bedrooms 2 and 3 are also bright and airy with laminate flooring in bedroom 3. The backyard boasts a paver deck along with a raised wooden deck. Patio area has been outfitted...
Visit this property in NORTH PORT: 4656 PIXLEY LN, NORTH PORT

MLS# A4184314

Many updates including new PGT hurricane rated, energy efficient glass doors. French doors. Newly renovated Florida room which brings in nature and light. Enjoy the endless sidewalks, lake views and mature landscaping that Prestancia has to offer.
Visit this property in SARASOTA: 4649 LAS BRISAS LN, SARASOTA


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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