12018 Gillingham Harbor Ln, Gibsonton, FL 33534
3 beds · 2 baths · 1,690 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Under contract-accepting backup offers. *** 4/23/25 Price Improvement AND seller is offering up to $5,000 in concessions or price reduction with an acceptable offer! Don't miss out—submit your offer today! *** Stunning home located in the prestigious Carriage Pointe community! This extremely well kept, beautiful 3-bedroom, 2-bathroom home boasts numerous desirable features that make it a true gem in the neighborhood. As you pull into the driveway you will notice this home is equipped with solar panels. Looking for energy efficiency in your next home, look no further! One of the great standout features of this property is the solar panels will be PAID OFF at closing! That’s a huge bonus for future energy savings. These solar panels ensure an energy efficient home with low electricity bills year-round. As you enter inside, you are greeted by the open floor plan, beautiful arched doorways, ceramic tile floors throughout and gorgeous crown moulding in the common areas! The heart of this home is the well-equipped, cozy kitchen, a large island, walk-in pantry, and abundance of natural light that gives the space a warm and inviting atmosphere with its tinted windows for privacy and energy efficiency, keeping the heat out yet allowing the natural light in. The spacious primary suite boasts a walk-in closet, separate bathroom, dual sinks, and a spacious walk-in shower. The patio off the kitchen leading to the backyard is perfect for entertaining. Speaking of the backyard, you will love the fact that it is one of the largest in the community and is fully fenced for privacy and security. The solar lights affixed to the beautiful vinyl fence highlights the backyard space in the evenings. This home also comes stocked with Hurricane Shutters and a kit complete with video instructions. The Carriage Pointe community offers fantastic amenities such as a giant pool, playgrounds, tennis courts, basketball courts, fitness center, and clubhouse, providing endless opportunities for recreation and socializing. Minutes away from I-75, shops, restaurants, Publix, Wal-Mart, movie theater as well as a quick 20 minutes to vibrant Downtown Tampa and a quick 30 minute drive to MacDill AFB! Don't miss the chance to make this exceptional home yours and enjoy the perfect blend of comfort, convenience, and luxury living. Contact me today to schedule a showing before it's gone!
Source: STELLAR #TB8347508
Source: STELLAR #TB8347508
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.
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.
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.
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.
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 and Equal Opportunity Act.