1003 W Reynolds St, Plant City, FL 33563
3 beds · 2 baths · 1,616 sqft sqft
Step right up to the perfect blend of modern convenience and vintage charm in beautiful, historic Plant City! If you've been longing for a home that's as fresh as a daisy but packed with the character of a bygone era, look no further. This gem, crafted in 2019 to resemble a 1920s Craftsman beauty, is your ticket to the good life. Picture this: the annual Strawberry Festival Parade strutting its stuff right down your very own street. You could be lounging on your porch with front-row seats to all the action. It's like a front-row ticket to the neighborhood's best show! Or take a stroll to downtown for food truck Friday. This home is conveniently located within walking distance of all the shops and restaurants that downtown Plant City has to offer. Inside, this 3-bedroom, 2-bath wonderland leaves no stone unturned. Waterproof plank flooring? Check. Neutral paint that's easy on the eyes? Check. Custom plantation shutters? Oh, you betcha. And don't get me started on the kitchen—it's so bright and airy, you'll be whipping up gourmet meals in no time. Worried about security? Fear not! There's an electric gate and a top-notch security system with not one, not two, but four exterior cameras—all controllable from the palm of your hand. Plus, if you're the adventurous type with an RV or camper, rejoice! Two gates open into the backyard, where there's plenty of room to park your wheeled wonders or additional cars if you decide to have a group over. They've even extended the driveway for all your extra vehicles and toys. But wait, there's more! A water softener and purification system ensure you've got the cleanest, softest water in town. It's the little things that count, right? So, what are you waiting for? This home isn't just move-in ready; it's ready to make memories. Come on over and see for yourself—your dream home in Plant City awaits!
Source: STELLAR #t3538306
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3538306
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 30-day close.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
What is Roam?
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
What is an assumable mortgage?
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
Why is an assumable mortgage valuable?
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
How can you find assumable mortgage listings?
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Get Notified” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
How do I qualify for an assumable mortgage?
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
MLS ID: #t3538306
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.