15611 Starling Water Dr, Lithia, FL 33547
4 beds · 2 baths · 2,592 sqft
Under contract-accepting backup offers. Enjoy a beautiful saltwater pool home in the Starling section of Fishhawk Ranch. This four-bedroom, two-bath home has a new roof added in May 2024. Lots of other upgrades including the exterior painted 2021, A/C 2022, hot water tank 2021, pool pump 2021, home and lanai surround sound 2022, stainless steel dishwasher and stove 2023 and refrigerator 2022 make this home move-in ready! The large saltwater pool is screened-in and solar-heated. There is also a calming water feature in the pool. The pool area is surrounded by mature landscaping to make this your private oasis. A gas line was added to the pool lanai. The open-concept kitchen has 42-inch cabinets with crown molding, stone countertops and recessed lights. Choose an informal dinner in your kitchen or eat in the formal dining room. Adjacent to the dining room is your formal living room. The large primary bedroom has an extra sitting room and bath with a garden tub, a separate shower and a huge walk-in closet. Three other bedrooms and a bath are on the other side of the home separated by the family room. One of the three-car garage spaces was converted to a room off the kitchen giving an extra 130 square feet of bonus space which could be used as an office, play area, storage or converted back to a three-car garage. The attic has blown-in insulation and injected foam insulation in the walls for energy savings. Fishhawk Ranch is a master-planned community featuring miles of walking trails, half a dozen pools, a splash pad, a tennis club, fitness centers, playgrounds, dog parks, a sports complex, clubhouses, a skate park, a lake, and more. The community offers lots of fun public and private events. Fishhawk offers A-rated schools. A short drive will take you to I-75 and the Selmon Expressway for commuting to downtown Tampa and MacDill AFB.
Source: STELLAR #t3526477
Source: STELLAR #t3526477
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #t3526477