Julia Vakulenko

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MLS# L4723153

The seller has meticulously maintained the home and is move in ready. The owner added the second garage and both have retractable screens. The FL room (300 sq ft) has been completely redone within the last year and has a window ac unit so you can...
Visit this property in ZEPHYRHILLS: 38701 ALPHA AVE, ZEPHYRHILLS

MLS# T2903963

No backyard neighbors. The kitchen overlooks the breakfast nook and the family room. The master bedroom has a walk-in closet and a master bath with dual vanities, garden tub, and separate shower. The community of Silver Ridge enjoys easy access to...
Visit this property in BROOKSVILLE: 15194 DURANGO CIR, BROOKSVILLE

MLS# A4196789

Wonderful vintage Florida home with pool. At the back of the property is also another LARGE SHED with a riding lawnmower that will convey with the property. There is also an outdoor / backyard brick fireplace / grill. True, there are some things...
Visit this property in SARASOTA: 2632 DUEBY ST, SARASOTA

MLS# W7633796

Looking for a cozy affordable 1 bedroom condo in the Countryside area. This condo is bright and airy with nice park views. It has a brand new stove, newer A/C and is freshly painted. Other features include, huge master bedroom closet, breakfast...
Visit this property in CLEARWATER: 2583 COUNTRYSIDE BLVD #3205, CLEARWATER


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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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