1030 Tracey Ann Loop, Seffner, FL 33584
4 beds · 3 baths · 2,802 sqft sqft
*** $5,000 Seller contribution towards buyer's closing costs on a Full price purchase *** Move-In Ready! Stunning 4-Bedroom Home located in the Distinguished Reserve Hunters Lake Community. This beautiful Beardsley floorplan, built in 2016 by David Weekley Homes, offers 4 bedrooms, 3 bathrooms, and a 3-car garage, spread over 2,802 sqft of luxurious living space. Designed for comfort and style, the split floorplan ensures privacy, while the open-concept layout and vaulted ceilings create an inviting, airy feel. Upon entry, you're welcomed by abundant natural light streaming through oversized windows, drawing you into the heart of the home. The gourmet kitchen is a chef's dream, equipped with stainless steel appliances, a built-in oven and microwave, an electric cooktop, chic brick tile backsplash, and 42" dark honey oak cabinets with wrought iron handles. The large granite-covered island is perfect for entertaining and gathering with family and friends. Attention to detail shines throughout the home, with luxury touches like granite countertops, crown molding, tray ceilings, 5 1/2" baseboards, niches, square columns, and built-in surround sound. Sliding doors lead to the paved lanai, where you can relax and enjoy the expansive backyard overlooking a tranquil pond—a perfect outdoor setting. The owner's suite also boasts serene pond views, tray ceilings, a spacious room, a walk-in closet, and an ensuite bath with separate his-and-her sinks, a garden tub, and a walk-in shower. The open sitting room adds to the sense of luxury, featuring crown molding and elegant tray ceilings. Located in a quiet, gated community with no CDD fees and a low HOA of just $303 quarterly, this home offers both prestige and affordability. Energy-efficient features and exceptional craftsmanship make this home a true gem. Schedule a private tour today and experience this exquisite home for yourself! **Motivated Seller, all reasonable offers will be considered **
Source: STELLAR #s5112347
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #s5112347
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 45-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: #s5112347
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