VA loan
1 of 77
VA loan
$499,000

13927 SNOWY PLOVER LN, Riverview, FL 33579

5 beds · 3 baths · 3,291 sqft

Welcome Home to your new MOVE-IN READY 5 bedroom, 3 full baths, 3 car garage home!! Spanning at almost 3,300 square feet, this is a mega-home awaiting its new family. Built in 2019, it's practically brand new; fresh-new interior paint, all new carpet upstairs, new sod in front and back yards, the whole home exterior and driveway has been power washed. Located in the beautiful community, Oaks at Shady Creek in Riverview. Featuring an open floor plan, there's so much to experience in this home. Downstairs is a bedroom and full bathroom along with the formal dining room/flex space, family room/dining room combo. The kitchen is a chef's dream come true. Outfitted with stainless steel appliances, granite counters, and walk-in closet pantry, there is plenty of space for family meals and gatherings, not to mention, the mom cave!! The lanai is fully screened, so you can enjoy your morning coffee without the worries of Florida gnats. Now, let's go upstairs. Here you will find 4 other bedrooms and 2 full baths, to include the primary bedroom, laundry room, and large loft. The secondary bedrooms all have walk-in closets!! The loft is spacious enough to use as a media room, gaming room, or secondary living room (maybe even all 3!). The primary bedroom and en-suite has two walk-in closets, separate shower/soaking bathtub, and separate vanities. For the convenience of the new owners, the laundry room has a pass-through from the en-suite and is also accessible from the hallway near the loft. This home has so much to offer, that we can barely list it all. The community amenities include a sparkling swimming pool, fitness center, and playground. Located near I-75, US-301 and HWY-41 for an easy commute to MacDill AFB, beaches, and endless shopping and dining experiences. Make your appointment as soon as possible for the opportunity to call this one, yours.

Interest rate 3
3.75%
With Roam
6.5%
The seller’s mortgage rate at the time the loan was originated.
Monthly payment 3
$1,406
With Roam
$1,845
Reduce your monthly payments by $439 when you assume this mortgage.
You also save $131,374 in total interest paid.

$225,994
Edit

You may be able to put down less than the total down payment amount of $225,994 and have the rest of the funds financed with a 2nd mortgage from a lender. 4

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.

Location

Details

Home
Size
3,291 sqft
Lot size
0.14 acres
Year built
2019
Type
Single Family Residence
Loan
Remaining term
24 years, 11 months
Rate
3.75%
Monthly P&I
$1,406
Remaining loan balance
$273,005

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.

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Last updated: Sep 19, 2024 09:22 am
Listing agent: Candace Gallegos (813) 489-0553
Listing provided courtesy of: ALIGN RIGHT REALTY SOUTH SHORE (813) 645-4663
Details provided by STELLAR and may not match the public record.
MLS ID: #t3539719
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2024 MLS GRID. All Rights Reserved.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 45 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.
$1,406/mo
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