15622 Starling Water Dr, Lithia, FL 33547
4 beds · 2 baths · 2,408 sqft sqft
ASSUMABLE VA LOAN! Discover your dream home in this highly sought-after FishHawk Ranch community, renowned for its top-rated schools and welcoming, family-friendly environment. The lush, meticulously maintained landscaping adds exceptional curb appeal, creating a peaceful, inviting entrance. Step into the modern kitchen, fully equipped with stainless steel appliances, granite countertops, a spacious pantry, and ample cabinet space—perfect for cooking and entertaining. A cozy breakfast nook is bathed in natural light, making it an ideal spot to start the day. Stylish tile and luxury vinyl plank flooring flow throughout the home, combining elegance with durability. You'll also enjoy the efficiency of natural gas for both the stove and water heater, and the home is plumbed for gas or electric to the dryer as well. The spacious master bedroom features an expansive walk-in closet and a private en-suite bathroom with a relaxing soaking tub and separate walk-in shower. The second bath features a Homeworks system where you can bluetooth your phone to a speaker/light on the ceiling and play music while you bathe! Step outside to the back porch, where you can unwind while enjoying the privacy and serenity provided by the lush landscaping. This home is located in an area known for its excellent schools, making it an ideal choice for families. FishHawk Ranch is also popular with military families due to its proximity to MacDill Air Force Base and its strong sense of community. Don’t miss this opportunity to own a stunning home in one of Tampa's most family-friendly neighborhoods. Schedule your tour today!
Source: STELLAR #tb8302145
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8302145
Source: Public records
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: #tb8302145
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.