121 Valencia Cir, Saint Petersburg, FL 33716
3 beds · 3 baths · 2,085 sqft sqft
End-unit & Corner Lot with upgrades galore in the Amazing Villas of Carillon, a coveted neighborhood in a desirable and central location of St. Petersburg, Florida. This popular townhome setting now has a fantastic offering on a conservation lot. Enjoy living in an open floor plan with lots of living space. This move-in ready unit features 3 bedrooms and 2 1/2 baths with a spacious 2 Car Garage. This home boasts a breathtaking foyer, leading you through the open floor plan, livingroom, dining room, and kitchen - tastefully updated throughout! Further storage under the staircase and a 1/2 bath complete the first level as well as an inside laundry room. Upstairs the Primary bedroom and ensuite are are amazing complete with spacious walk-in closet with loads of storage . Two additional large Bedrooms are upstairs as well with oversized walk in closets. Both bedrooms share a perfect Jack and Jill style Bathroom with Granite Counter tops and a full Tub and shower combination. The Community features Security access Gates , Club house, Community Pool with sun loungers. Walking distance to the Carillon Conservation Pond Trail, Boardwalk and Wildlife. Conveniently located by 275 and within a short driving distance to the beaches, both airports, and ALL the great amenities of the Tampa Bay area! Relax and Enjoy Florida living in this amazing pet-friendly community.
Source: STELLAR #tb8306108
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8306108
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #tb8306108