12805 Mia Cir, Largo, FL 33774
4 beds · 5 baths · 2,396 sqft
Charming! Two-story family home offering the perfect blend of comfort and convenience. Tucked away on a private cul de sac, this is a lovely and beautifully maintained 4-bedroom pool home boasting a spacious layout for active families and plenty of room for everyone to spread out. First impressions are memorable ones once you enter the property-extensive and impressive chair railing, crown molding and built-ins are additional features appreciated by all who enter this property. The large family room is ideal for cozy evenings by the fireplace or fun-filled family gatherings. A well-appointed and fully equipped kitchen opens to both the family room and dining areas, making it easy to entertain both formally and informally. Step outside to your private oasis, a large, fenced yard complete with a sparkling pool. Perfect for sun filled fun, the pool offers time for all to relax and enjoy. A separate screened porch ideally overlooks the beautiful pool and large fenced rear yard. The inside laundry is situated next to the kitchen as well as a pantry-hard to find areas in comparable homes. The upstairs primary bedroom suite is spacious and has a lovely bathroom with walk in shower. The additional 3 bedrooms are located on the second level as well. Luxury vinyl flooring, newer roof and HVAC. Situated on high ground, the property is convenient to beaches, parks, recreational facilities, shopping and schools - all within a 5-minute drive. This is an exceptional opportunity to live in a wonderful area in a well maintained home offering all of the features that makes this a very special HOME! Properties offering all of these outstanding features-location, space and exceptional condition, are hard to find so don't miss this one!
Source: STELLAR #tb8325048
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8325048
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: #tb8325048
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.