13367 WILDGRASS TRL, Odessa, FL 33556
Welcome to the exquisite Starkey Ranch, a master-planned community celebrated as the “Community of the Year”! This beautifully designed two-story Sabal floor plan home offers the perfect combination of modern luxury and timeless comfort. A stunning tile roof with new gutters and paver driveway greet you as you arrive, leading to an open concept lower level that seamlessly blends the island kitchen, grand room, and dining area, ideal for entertaining. The gourmet kitchen boasts GE appliances, Timberlake Cabinets with satin nickel pulls, Quartz countertops, additional water filter, and a stylish glass backsplash. The foyer, grand room, and kitchen feature sophisticated Vinyl wood-look flooring perfect for easy cleaning. Upstairs, the primary suite provides privacy and tranquility with a walk-in closet and en suite bathroom. The secondary bedrooms are spread out and do not share a wall with the primary suite! Enjoy the fenced in yard with a screened in lanai and pre-plumbed for an outdoor kitchen. Starkey Ranch offers a unique blend of natural beauty and modern amenities, including neighborhood parks, lakes, trails, dog parks, swimming pools, playgrounds, and more. Its convenient location near top rated schools, a library, and a sports complex makes it perfect for active lifestyles. With its thoughtful design and exceptional features, this immaculate home is an opportunity you won’t want to miss.
You may be able to put down less than the total down payment amount of $267,506 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #t3532212