Julia Vakulenko

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Newest listings

MLS# U7843412

Darling property, single family or could be used as a duplex. This is old Florida style living. Large,mature landscaped lot waiting for you. Take a look today, this one won't last.
Visit this property in GULFPORT: 5227 25TH AVE S, GULFPORT

MLS# U7844660

Open floor plan. Newer roof, newer kitchen, Newer bathrooms. En-suite master bathroom, walk-in closet in master bedroom. Turn key investment property.
Visit this property in HOLIDAY: 4011 KIBLER LN, HOLIDAY

MLS# T2923910

The master suite will come with a lovely bay window that overlooks a pond, tray ceiling detail, walk-in shower and large closet. The home is finished out with a gray-toned tile throughout tile and Plush carpet in the bedrooms. The home will also...
Visit this property in SARASOTA: 5408 MANCHINI ST, SARASOTA

MLS# A4207172

Boca Grove is the hottest condominium neighborhood in Lakewood Ranch with 10 closings in the past 12 months. Impeccably maintained buildings and grounds, surrounded by lakes, nature preserves, and the Arnold Palmer designed Legacy Golf Club....


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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