13821 Kinsale St, Riverview, FL 33579
4 beds · 3 baths · 2,683 sqft
Get a free consultation call with an expert in the mortgage assumption process.
NEW LISTING!! 2.3% Assumable VA mortgage available to qualified buyers. 4-Bedroom, 2.5-Bath Home with Sunset Water View! Welcome to this beautiful 2-story home, offering a spacious layout perfect for modern living. The downstairs features an open and inviting kitchen with elegant quartz countertops, 42-inch cabinetry, and stainless steel appliances—ideal for both cooking and entertaining. A set of sliding doors leads out to a screened-in patio, allowing you to relax and take in the stunning pond views and nightly sunsets. The main level also includes a flex room, perfect for an office or study, and a convenient half bath for guests. The open floor plan is finished with stylish tile flooring that complements the home’s overall design. Upstairs, you'll find all four bedrooms, a loft, and a laundry room. The large primary bedroom includes an ensuite bathroom with dual sinks, a step-in shower, an extra-large walk-in closet, and water views. Both upstairs bathrooms feature matching grey quartz countertops and dual sinks for a sleek, modern look. Plush carpeting throughout the upper level adds warmth and comfort. Outside, a large yard provides ample space for outdoor activities, while a spacious driveway leads to the attached 2-car garage. South Fork Community offers a clubhouse with community pool, playground, tennis courts, and activities. Located of of 301 close to retail shops and restraurants. Short drive to Tampa, Sarasota, and St. Pete beaches. Schedule your private showing today.
Source: STELLAR #TB8368847
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 #TB8368847
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.