12956 Wildgrass Trl, Odessa, FL 33556
4 beds · 3 baths · 2,293 sqft
Under contract-accepting backup offers. Welcome home to this rare find in the #1 Master Planned community in Tampa, Starkey Ranch. This inviting 4 bedroom 3 bathroom + LOFT home features stunning curb appeal and a location within the community that cannot be beat! Just steps from the LARGE front porch is ONE of the THREE parks/pools as well as a short walk/bike ride away is the top rated Starkey Ranch K-8 magnet school. Proceed into the home through the front porch and prepared to be WOWED. The large open floor plan lets natural light flow through the home and accents the Gourmet Kitchen and oversized great room combo. The kitchen features stainless steel appliances, a LARGE ISLAND and plenty of cabinetry/countertop space for even the pickiest of chefs. Off the kitchen you will find a well appointed dining space with magazine worthy fixtures and plenty of space for any size gathering. Downstairs there is a full bedroom and bathroom as well as a small sitting area near the garage entry door. Upstairs you will find a HUGE PRIMARY SUITE with attached ensuite. There is dual vanities, a walk in shower with a glass surround door PLUS a LARGE walk in closet. Outside of the primary suite you are greeted by a LOFT/BONUS room which separates you from the TWO additional bedrooms and spare bathroom. The laundry room is also upstairs with plenty of storage space as well as a UTILITY SINK. Outside there is a screen in patio to enjoy the beautiful Florida weather and the backyard is completely fenced as well. Don’t miss your chance to own this rare find in Starkey Ranch, centrally located to downtown Tampa, shopping, dining and so much more. Call today for you VIP tour or virtual showing! Virtual Tour: https://my.matterport.com/show/?m=gdS5KhrjZrP&brand=0&mls=1&
Source: STELLAR #TB8369358
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8369358
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.
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.
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.
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.
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 “Save search” 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.
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 620, 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.