Julia Vakulenko

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MLS# U8166158

Enjoy access to the beautiful Intracoastal Waterways and the Gulf of Mexico from your own private dock. Peterburg or Tampa. The property next door can be purchased separately making your combined water frontage 208 ft. Don’t Miss This High-End...
Visit this property in TREASURE ISLAND: 11050 5TH STREET E, TREASURE ISLAND FL 33706

MLS# U8167772

Relax in the pool as you look out over the peaceful water of the pond. This LUXURY water view home offers 4 bedrooms, 3 baths, 3 cars garage, POOL home on oversized cul-de-sac lot in Palm Harbor. Features that will delight buyers include...
Visit this property in PALM HARBOR: 2763 SADDLEWOOD LANE, PALM HARBOR FL 34685

MLS# U8167711

Kitchen with granite tops and stainless steel appliances. Large master bedroom (22 X 13) with walk in closet. Excellent overall location on peaceful cul-de-sac. Second bath is located in a portion of the garage that was converted.
Visit this property in PALM HARBOR: 29 CYPRESS DRIVE, PALM HARBOR FL 34684

MLS# T3382512

Located in a gated community in New Tampa with a guard. As you enter the home the swimming pool is visible. This is a very large area that is perfect for parties and family gatherings. The home is located in New Tampa an area that is sought after...
Visit this property in TAMPA: 20005 NOB OAK, TAMPA FL 33647


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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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