17152 Wintergarden Ave, Port Charlotte, FL 33948
3 beds · 2 baths · 2,314 sqft
This exceptional property offers the best of space, style, and functionality! A 3-bedroom, 2-bathroom home with a 2-car attached garage PLUS an incredible 40x36 detached garage that can accommodate 5+ vehicles and comes equipped with a 7,000 lb lift. New Roof, New Artesian Well and a Whole House Reverse Osmosis Water System. Step through stunning etched double doors into an open living and dining area with soaring coffered ceilings and triple pocket sliders leading to the backyard. The luxurious master suite features tray ceilings, dual walk-in closets, and an ensuite with a Roman shower, soaking tub, and double vanities. The kitchen is a dream with granite counters, ample storage, a walk-in pantry, and a cozy breakfast nook with aquarium-style windows. Two spacious guest bedrooms share a well-appointed bath. A 16x33 covered back porch awaits your touch – perfect for entertaining and with plenty of room for a pool! A 220-amp plug is already installed for a generator for the storm season! Now, let’s talk about the garage! This car enthusiast’s paradise is a 40x36 metal building rated for 170 mph winds. It features three oversized doors (two 10x10, one 10x12), a 7,000 lb lift, and an expansive 40x54 driveway for extra parking or guests.
Source: STELLAR #c7500268
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #c7500268
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: #c7500268
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.