126 Whitby St, Davenport, FL 33897
4 beds · 3 baths · 2,236 sqft
One or more photo(s) has been virtually staged. Seller may consider buyer concessions if made in an offer ~ Welcome to Davenport’s Pines West community, in a perfect location for easy access to shopping, dining, golf and theme parks, and a 4BD/2.5BA POOL HOME with a NEWER ROOF (2018), an UPDATED A/C (2022), and LUXURY VINYL PLANK WOOD FLOORS throughout! This flowing floor plan features a formal dining space with a large picture window for great natural light and a chic chandelier; entertain family and friends with ease and the ease of access to the large living area, open kitchen and the foyer. Through arched doorways your modern kitchen awaits, comfortable for the home chef with not one but TWO PANTRIES for ample storage, a great mix of cabinet and drawer storage, STAINLESS STEEL APPLIANCES, a prep ISLAND and a casual dining space in front of sliding glass doors for a view of the pool. The main floor is also home to a half bath, laundry room and a large FLEX/BONUS room whether you need additional family space, a home office, gym or media room - the choice is yours and the possibilities are endless! All of the bedrooms can be found upstairs where the vinyl plank floors continue into a generous PRIMARY SUITE and three sizable bedrooms. Your primary suite delivers a tranquil retreat with sweeping views of an open green space behind the home and through another arched doorway you have DUAL WALK-IN CLOSETS and a well appointed en-suite bath. Your SCREENED POOL is surrounded by a deck for a variety of seating options all overlooking a FULLY FENCED backyard for added privacy. In a great location for easy access to tons of local shopping, dining, Champions Gate, Disney parks and so much more. You are just minutes from major roadways like I-4 and Hwy 27 for a quick trip into Orlando, the Orlando International Airport or Tampa. Easy to show and ready for a new owner - call today to schedule a tour!
Source: STELLAR #o6264021
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6264021
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: #o6264021
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.