11121 Clayridge Dr, Tampa, FL 33635
3 beds · 3 baths · 2,318 sqft
Accent on the view!Your own Oasis!Located in the Golf Course Community of Countryway.This lovely and impeccably maintained two story pool home has 3 bedrooms and a loft.2.5 baths with 2318 heated square footage.Superb curb appeal with mature landscaping.Step through the front door onto the luxury vinyl flooring which graces most of the first level.Sunshine streams through the plantation shutters adorning most windows.The formal living and dining rooms beckon you to host memorable gatherings,while the family room provides a cozy haven,complete with wood-burning fireplace and pristine wood mantle.The Family room is open to the kitchen which is the "Heart" of the home.All Stainless appliances stay.Lovely granite counters and higher grade wood cabinets.Use the island as extra counter space.Through the newer French doors,the family room spills out into a poolside paradise.Here you will discover a solar-heated pebble-tech pool that underwent a stunning renovation in 2019.This is the WOW factor you are waiting for!What a view!Tranquil pond with conservation beyond.Mother Nature at her finest.Fenced in side yard for your furry friends.Child safety fence for the pool included.Venture upstairs and you will find a loft area,ready to be transformed into a personal sanctuary,office space or playroom.Generously proportioned Primary bedroom,spacious walk-in closet and attached en-suite full bath.Garden tub and separate walk-in shower,dual vanities.Bedrooms 2 and 3 offer abundant closet space for your loved ones while the second full bath showcases wood cabinets and newer wall tiles.NEW ROOF IN 2023. NEWER AC in 2020! This community offers loads of amenities: golf course,tennis courts,soccer fields,pickle-ball,basketball and playgrounds.Low HOA fees.Very convenient to Tampa International Airport,Loads of shopping,restaurants galore and major roads.30 minutes from Honeymoon Island on the Gulf of Mexico.CURRENT OWNERS DO NOT PAY FLOOD INSURANCE.
Source: STELLAR #TB8355253
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #TB8355253
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “Save search” 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 620, 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.