Julia Vakulenko

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MLS# U8025389

Entertaining is a breeze with the kitchen overlooking the family rm, breakfast nook and two wet bars. The screen enclosed pool has a heated spa and the sprawling lanai offers plenty of room for relaxing while taking in the awesome view....
Visit this property in OLDSMAR: 4904 TURTLE CREEK TRL, OLDSMAR

MLS# T3143570

w/den 1800 Sq Ft is TURN KEY READY. A unique opportunity to be on the river & live the Florida lifestyle. Fish from the DOCK or launch your kayak & away you go out to the Bay. Awesome OUTDOOR LIVING SPACE through the FRENCH DOORS to enclosed...
Visit this property in TEMPLE TERRACE: 11715 GAIL DR, TEMPLE TERRACE

MLS# U8025516

You will notice all doors and windows here are hurricane impact and allow natural lighting to flow throughout. Granite counter tops are atop wood cabinetry that is custom fit to this space, perfectly utilizing every area- something you truly must...
Visit this property in SEMINOLE: 7955 BAYSHORE DR, SEMINOLE

MLS# U8025540

This spacious end-unit features one-level living space, an open floor plan and vaulted ceilings with abundant natural light. 5’) enclosed with sliders, screens, windows and Levolor blinds leads to an open Lanai (21’x12’) to offer the very essence...
Visit this property in ST PETERSBURG: 23 JEFFERSON CT S, ST PETERSBURG


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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:

 

Types of Resale in Today's Market:

 

Taxes, CDD, HOA, and Homestead:

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