Julia Vakulenko

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MLS# H2204517

Kitchen has been upgraded and features full size range with oven, full size dishwasher and refrigerator. Ceramic tile through out and furnished other than tenant personal property. Overlooking the tennis courts. Tenant is on a month to month basis.
Visit this property in LUTZ: 20853 HAULOVER CV #A13, LUTZ

MLS# U7850229

Two Bedroom "D" Unit-This 2 BR/2 BA condo with den is the top floor of a 2-story lodge and offers almost 1,700 sq ft of living space. This open area is great for entertaining and the sliding doors off the living room and den let you bring the...
Visit this property in PALM HARBOR: 36750 US HIGHWAY 19 N #05202, PALM HARBOR

MLS# T2927840

Looking for a multi-family property. And a beautiful park like setting back yard. There is plenty of room for your boat, buggies or whatever toys you want. By the way - the motorhome could be part of the deal with the right offer.
Visit this property in GIBSONTON: 11306 NORTH ST, GIBSONTON

MLS# U8029334

Your personal touches await this charming home on North Clearwater beach. This home offers a wonderful, open floor plan with two bedrooms and one bathroom in the main house + separate guest cottage/ in-law quarters with kitchenette and bathroom…...
Visit this property in CLEARWATER BEACH: 843 LANTANA AVE, 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.

 

The Home Buying Process:

 

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Taxes, CDD, HOA, and Homestead:

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