13284 Buckett Cir, Port Charlotte, FL 33981
3 beds · 2 baths · 1,386 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this absolutely stunning 3-bedroom, 2-bathroom home located in the peaceful and well-maintained Gardens of Gulf Cove community! Built in 2004, this meticulously cared-for home is ready for immediate occupancy and offers a perfect blend of comfort, style, and practicality. From the moment you arrive, you'll be impressed by the charming curb appeal and the thoughtfully designed landscape featuring lush palm trees and vibrant flowering shrubs. Rest easy knowing this home is equipped with a WHOLE HOUSE GENERAC GENERATOR, ensuring you’ll never be without power. Additional upgrades include a brand-new A/C system (2023) and a new roof (2022), providing peace of mind for years to come. Hurricane shutters are also in place for added protection Step inside and be greeted by a spacious, open floor plan that’s perfect for both relaxing and entertaining. The high cathedral ceilings give the home a bright and airy feel, while the large windows allow natural light to flood the living spaces. The kitchen is a true highlight, featuring a large breakfast bar that overlooks the great room, dining room, and dinette area. It’s the ideal spot for morning coffee or casual meals. With plenty of counter space and cabinets, you'll find it easy to prepare your favorite dishes here.The master bedroom is your own private retreat, offering a generously sized walk-in closet and an en-suite bathroom with a large walk-in shower. The two guest bedrooms are equally spacious, each with ceiling fans and ample closet space, ensuring that everyone has plenty of room to unwind. The guest bathroom includes a convenient tub and shower combination, perfect for relaxing at the end of the day. For those who appreciate outdoor living, you’ll love the generously sized covered and screened lanai, a perfect space to enjoy the gentle Florida breeze or dine al fresco while enjoying the beautiful surroundings. The inside laundry room is a bonus, complete with a brand-new washer and dryer for your convenience. The Gardens of Gulf Cove is a tranquil, friendly community that offers fantastic amenities such as two heated pools, a clubhouse, shuffleboard, tennis, and basketball courts. Plus, public water and sewer are available, and high-speed internet is ready for you to connect. Located just a short drive from Englewood Beach, Boca Grande, and excellent fishing spots, this home is perfectly positioned to enjoy everything the area has to offer. Nearby, you'll find shopping, restaurants, schools, and convenient stores like Home Depot and the Town Center Mall. This beautiful home has everything you need and more—call today for your private tour and make it yours!
Source: STELLAR #C7503431
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #C7503431
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 and Equal Opportunity Act.