17609 Buckingham Garden Dr, Lithia, FL 33547
4 beds · 3 baths · 2,598 sqft
Under contract-accepting backup offers. Florida living at its finest! This stow stopper features upgrades galore and serene water views. As you step inside this popular Taylor Morrison floorplan you will discover a meticulously maintained four bedroom,, three bathroom home complete with a enclosed Florida room AND a screened porch. With plantation shutters, chair rail, crown molding and luxury vinyl plank flooring throughout, no detail has been overlooked. The gourmet kitchen is a dream featuring stunning quartz countertops, upgraded cabinets and high end appliances. The beautiful backsplash is highlighted by under cabinet lighting. Adjacent to the kitchen you will find a convenient Butler's pantry with glass cabinetry and custom lighting. The spacious walk in pantry allows for plenty of storage. HUGE great room boasts spectacular water views. You will love the high end surround sound custom Klipsch speakers. The custom glass sunroom will provide year round enjoyment and was built to withstand winds up to 140 mph. The screen porch offers beautiful views, a gas line hookup for the grill and has been prewired for a hot tub. The primary suite has a tray ceiling with custom lighting and beautiful water views. The spa like bath has two sinks, a walk in shower and garden bath. The master closet was professionally done by Closets by Design and conveniently connects to the laundry room. Three way split bedroom plan maximizes privacy. This SMART home allows you to control your sprinkler system, alarm system and garage door by your phone. Additional upgrades include home surge protector, UV purifier on the AC, water softener, tankless water heater and more. The garage has overhead storage, a work bench, laundry sink, refrigerator (which is staying) and epoxy floors. Custom fit hurricane shutters have been installed in the front and rear of the home for peace of mind during hurricane season. No detail has been overlooked. All this and it is located in beautiful community with pools, parks and top rated schools. You don't want to miss this opportunity!
Source: STELLAR #TB8367877
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8367877
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.