11926 Grand Kempston Dr, Gibsonton, FL 33534
3 beds · 3 baths · 1,767 sqft
Welcome home to your 3 bedroom 2.5 bathroom home with a loft, open floor plan, and functional layout. You'll love the open floor plan featuring a large kitchen island overlooking the living/dining room combo, and you can even see the backyard pond. The kitchen has lots of prep space and a large walk-in pantry, and because of the age of the home, you won't have to worry about replacing appliances anytime soon. Take the stairs to your upstairs loft, which can serve as an additional living room, workspace, or even a home gym. You could also enclose the room and make this an additional bedroom if needed. The laundry room is also upstairs so no more dragging laundry baskets up and down steps. All the bedrooms are upstairs for a nice getaway from the main areas, the primary room has the best view in the house overlooking the pond. It is large enough to feel like the "primary" room and has an ensuite bathroom with a large vanity and walk-in shower. The walk-in closet is large enough for everyone's clothing, and you can even put 2 dressers in this room, so there is plenty of room for clothing/shoes/storage. The other two bedrooms are also a great size and share a bathroom with an oversized bathtub for bubble baths. Head out to the backyard, set up for you to have string lights and enjoy the outdoors with no backyard neighbors. The air conditioning handler was replaced in 2024, and the house was freshly painted in 2024. The large lot is ready for you to personalize and make your own. The home is located on a cul de sac so minimal street traffic. Walk to the pool, playground, and clubhouse since this home is .2 miles from them! This home is ready for a new owner who is excited to call this house "home" soon! Call today for a tour!
Source: STELLAR #t3539339
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3539339
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: #t3539339
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