10805 Laurel Glen Pl, Tampa, FL 33626
3 beds · 3 baths · 1,556 sqft sqft
Nestled in the gated community of The Vineyards in Westchase, this elegant home seamlessly blends timeless charm with modern luxury. The popular Cordova floor plan offers 3 bedrooms, 2.5 bathrooms and a private screened patio, all designed for a harmonious flow of space. As you enter, natural light floods the home through soaring ceilings and expansive windows, creating an open, airy ambiance. The integrated living and dining areas are perfect for entertaining, complemented by a discreet powder room for convenience. The kitchen, located at the rear, features contemporary shaker cabinetry, a central island and easy access to the 2-car garage. Sliding glass doors open to a cozy screened porch, ideal for enjoying the outdoors in comfort. Upstairs, the tranquil primary suite includes a spacious walk-in closet, while two additional bedrooms and a full bathroom provide ample space for family or guests. Recent updates, including a new roof in 2023 and a 2016 AC replacement, ensure worry-free living. Residents of The Vineyards enjoy low-maintenance luxury with access to a private heated pool, lawn care and sprinkler maintenance, all for a modest monthly fee. This home is ideally located near top-rated schools, dining, boutique shopping, and is just minutes from downtown, the airport, and the beach, offering a perfect blend of convenience and elegance. Don't miss this rare opportunity to own a stunning home in a highly sought-after community!
Source: STELLAR #tb8315254
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8315254
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: #tb8315254
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.