125 Dolphin Dr S, Oldsmar, FL 34677
2 beds · 2 baths · 1,216 sqft
Just listed in Gull-Aire Village. This home was remodeled in the coastal theme in 2021 with fresh interior and exterior paint, kitchen and baths updated, granite throughout and hand-scaped laminate flooring. Plus, much more. Vapor barrier in 2020. Gull-Aire Village has a socially active clubhouse, library, pool table, shuffleboard, Bocce ball court and heated pool & spa. There are planned activities at the clubhouse each month. Other regular activities include Yoga, pool exercise, Bingo, cards, and line dancing. Golf cart friendly. HOA is $50.00 per month. Pet friendly. You can have one pet-any size. You own your own land. Conveniently located across the street from the community are AMC Theatres, Beall’s, Marshall’s, PetSmart, Five Below and Dollar Store. Restaurants across the street include Shaker and Peel, Craft Street Kitchen, Mandolas, Country Pizza Italian Grill and Eve’s Family Restaurant. Just minutes to Super Walmart, Publix, and Countryside Hospital. About ten miles away are the beautiful beaches of Honeymoon Island and Caladesi State Parks. There is a biking/walking trail along the canal with two access points from Gull-Aire. Room sizes are approximate and to be verified by the Buyer.
Source: STELLAR #tb8328728
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8328728
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: #tb8328728
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