1406 Valley Pl, Brandon, FL 33510
3 beds · 2 baths · 1,504 sqft sqft
Under contract-accepting backup offers. Discover your next home sweet home in the heart of Brandon! NO HOA/CDD FEES!!!! Nestled in a well-established neighborhood, this charming house features 3 bedrooms, 2 baths, and 1,500 square feet of cozy living space. Recently updated with brand new waterproof laminate flooring, stylish ceiling fans, and fresh interior paint, it's ready to welcome you with modern comfort and timeless charm. Step inside and feel the warmth of this inviting space, perfect for creating lasting memories with loved ones. The open layout invites natural light to dance through, highlighting the new upgrades and thoughtful touches throughout. Whether you're relaxing in the spacious living area, preparing meals in the kitchen, or unwinding in one of the beautifully refreshed bedrooms, every corner of this home radiates comfort and tranquility. The blank canvas of a backyard offers the possibilities of an oasis awaiting your creative touch. Located in a sought-after Brandon neighborhood, you'll enjoy the convenience of nearby amenities/shops, and easy access to highways for commuting. Don't miss out on the opportunity to make this house your home. Contact us today to schedule a private tour.
Source: STELLAR #t3540994
Source: STELLAR #t3540994
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
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.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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: #t3540994