10623 Pearl Berry Loop, Land O Lakes, FL 34638
4 beds · 3 baths · 2,418 sqft
Spectacular Move-In Ready Home. This stunning, move-in ready home offers a spacious split floor plan featuring 4 bedrooms, 3 bathrooms, and a 3-car garage. Enjoy the expansive screened-in lanai and fully fenced backyard, perfect for outdoor relaxation. Best of all, there’s no carpet throughout the home! - Interior Highlights: - Gourmet Kitchen: Equipped with granite countertops, staggered cabinets with pull-out drawers, under-cabinet lighting, a wine rack, stainless steel appliances, built-in oven, cooktop, breakfast bar, and an island. The adjacent pantry and dinette area make this oversized kitchen a dream for any cook. - Living Room: Boasts vaulted ceilings and three large pocket sliders that open to the spacious lanai, ideal for entertaining. - Master Suite: Exceptionally roomy with space for a sitting area, direct access to the lanai, and tranquil pond views. The suite also features a huge walk-in closet with a custom organizer and an ensuite bathroom with dual sinks, garden tub, and a separate shower. - Private Guest Suite: The fourth bedroom includes its own bathroom with backyard access, perfect for a mother-in-law suite or guest accommodations. - Additional Features: Elegant rounded walls and art niches with lighting add character. Ceiling fans in every room for added comfort. French shutters in the formal dining room/office/bonus room. Equipped with an alarm system, irrigation system, and water softener. - Outdoor & Community Amenities: The home backs onto a premium conservation lot with lush tropical landscaping, offering a serene view of the pond and wildlife. The Suncoast Lakes community offers excellent amenities, including basketball and tennis courts, a playground, clubhouse, park, swimming pool, and a sports field. Residents also enjoy a private bike trail entrance. - Prime Location: Conveniently located with direct access to the Suncoast Expressway (FL-589) and I-75, making it easy to reach Tampa Bay, the airport, shopping, and downtown Tampa. Plus, Publix is just minutes away. With no CDD fees and a low quarterly HOA fee, this home is truly a rare find. Don't miss the chance to make this beautiful property your own!
Source: STELLAR #TB8360858
Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Have questions? Email support@withroam.com
Source: Public records
Source: STELLAR #TB8360858
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.