Julia Vakulenko

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Newest listings

MLS# U7837975

This 2 bedroom, 1 bath home with a very large bonus room (with a sunken hottub) is close to shopping and bus line. Alley access. Definitely a must see. make it yours today.
Visit this property in ST PETERSBURG: 5655 4 AVE N, ST PETERSBURG

MLS# T2914992

Here is an amazing opportunity to completely customize your own home in a Luxury Bayshore Boutique high-rise with only 32 units. This 11th floor unit is 1/2 of a floor with amazing views of the crescent of Hillsborough Bay. With up to 10 foot...
Visit this property in TAMPA: 3203 BAYSHORE BLVD #1102, TAMPA

MLS# A4201416

Under Construction 3 Bed, 2 Bath, Den, 2 Car Garage. The home features tile throughout the great room Linen Kitchen Cabinets and Granite kitchen counter tops with Stainless steel appliances. The 2 car garage Includes an additional 2' Extension...
Visit this property in PARRISH: 16870 ROSEDOWN GLN, PARRISH

MLS# T2914612

Alafia river front home with million dollar view. No front yard neighbors, property fronts up to 80 acre ALAFIA SHRUB PRESERVE and is located on a dead end street offering privacy and is very close and convenient to I-75 and most shopping. Kitchen...
Visit this property in RIVERVIEW: 10228 ELBOW BEND RD, RIVERVIEW


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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