Julia Vakulenko

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MLS# U7835644

Assigned parking space #705 is located right outside your door. Washer and dryer are located in the Florida room with a back entry out to the patio overlooking a serene courtyard. Includes a storage shed. Enjoy the community clubhouse.
Visit this property in KENNETH CITY: 4151 56TH WAY N #705, KENNETH CITY

MLS# T2909089

This home boasts 5 bedrooms, 3 full baths, stadium seating theater room, full lanai, and a pool fit for an estate. Upstairs you have stadium seating setup for a State of the art theater. Outside you have a lovely screened in lanai perfect for...
Visit this property in TAMPA: 10709 PICTORIAL PARK DR, TAMPA

MLS# W7634558

Wow. This Home Features Fresh Paint Inside and Outside of the House, Laminate Flooring throughout Main Living Areas and Tile in All Wet Areas. Rv 220amp Hook Up on Side of House. Call Today to schedule a Private Showing.
Visit this property in TRINITY: 7954 ADELAIDE LOOP, TRINITY

MLS# T2909013

Adorable updated one story home just blocks from the river and quiet park. Wood floors are throughout the home as well as crown mouldings and high ceilings. The living room offers a wood burning fireplace and is open to the large kitchen and...
Visit this property in TAMPA: 307 W WILDER AVE, TAMPA


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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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