16012 Golden Lakes Dr, Wimauma, FL 33598
3 beds · 2 baths · 1,864 sqft sqft
Your paradise awaits! This is the popular Florence model located in Beautiful, Gated, Valencia Lakes, Florida’s premier community. The Amazing upgrades on this freshly painted (inside and out - April 2024), beautifully maintained open floor plan includes: - Extended brick paver driveway and entry - Diamond laid oversized ceramic tile flooring - Formal dining room - Great room - Solid wood cabinets kitchen cabinets with topped crown molding, granite counters, stone backsplash - New stainless-steel appliances (outdoor vented stove/oven) - Breakfast nook - Crown molding was added to the entire house in May 2024. - Primary bedroom has tray ceilings, huge closets, and lanai sliders - Primary bath with separated dual sinks with granite topped vanities, a garden tub and separate walk-in large shower. - 3rd bedroom with French doors and laminate flooring for use as a den/office if desired. - Extended, fully covered and screened lanai with pavers and ceiling fans - Air conditioning system and hot water heater installed new in 2020. - Upgraded light fixtures and ceiling fans throughout. - Covered entrance - Ceiling fans throughout - Water softening system - Outside fenced run adjacent to the lanai with pet door. - Yard maintenance, mowing and irrigation, cable TV and high-speed internet are provided You will have nothing left to do but move in and enjoy! Just a stone's throw to the renovated 40,000 sq. ft clubhouse and lifestyle center that includes: 3 separate pools (resort, resistance, and lap pool), outdoor spa, sauna and steam rooms in each locker room, bistro area (being renovated to bring in professional restaurant services), ball room, state of the art fitness center, tennis courts, pickle ball, bocce, softball, shuffleboard, basketball, recreation paths, RV and Boat storage lot on premises, clubs, crafts and much more! Also, a Veterans Memorial Park, called the Circle of Honor. Located close to shopping, restaurants, hospital and everything you need only minutes away.
Source: STELLAR #tb8302176
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8302176
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: #tb8302176
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.