12152 Ledbury Commons Dr, Gibsonton, FL 33534
4 beds · 3 baths · 2,016 sqft
Welcome to your dream home in the heart of Gibsonton! This stunning 4-bedroom, 3-bathroom residence offers a perfect blend of comfort, style, and convenience. Boasting a spacious 1,914 square feet of living space, this home is ideal for families or those who love to entertain. Step inside and be captivated by the open and airy floor plan. The heart of the home is the expansive living room, perfect for gathering with loved ones. The adjacent dining area flows seamlessly into the kitchen, making meal preparation and entertaining a breeze. The kitchen is a chef's delight, featuring sleek countertops, ample cabinetry, and top-of-the-line appliances. Retreat to the luxurious master suite, a true oasis of tranquility. The spacious bedroom offers plenty of room for a king-size bed and additional furniture. The ensuite bathroom features a walk-in shower and a double vanity, providing ample space for two. Three additional bedrooms provide plenty of space for family members or guests. This home is designed for indoor-outdoor living. The covered patio is the perfect spot to enjoy your morning coffee or host a barbecue. The lush landscaping provides privacy and adds to the overall appeal of the property. Beyond your private retreat, the community offers fantastic amenities, including a sparkling pool, a basketball court, and a park where little ones can play and explore. Additional features of this exceptional home include tile flooring throughout, a spacious laundry room, an attached two-car garage, ample storage space, and close proximity to schools, shopping, and dining. Don't miss out on this incredible opportunity to own a piece of paradise in Gibsonton. Schedule your private showing today!
Source: STELLAR #TB8340939
Send questions to support@withroam.com
Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #TB8340939
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.
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 “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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.