17671 Bright Wheat Dr, Lithia, FL 33547
4 beds · 3 baths · 2,886 sqft

Get a free consultation call with an expert in the mortgage assumption process.
**VA ASSUMABLE MORTGAGE @ 3.99%*** FISHHAWK SCHOOLS - NO CDD FEE!! A MUST SEE Home! Come see this SPRAWLING one story Home with Pond Views in Channing Park with ** NO CDD FEES! Nestled in the highly desirable Channing Park community, this beautifully updated 4-bedroom home boasts nearly 3000sqft of living space plus, 3-bathroom home with a 3-car garage offers serene pond views and privacy with no backyard neighbors. From the moment you enter, you’ll be greeted by an elegant foyer featuring high ceilings, a decorative rotunda with crown molding, accent lighting and a picturesque backdrop of your gorgeous lanai patio and views of a serene natural setting. French doors off the foyer lead to a versatile den, perfect for a home office or e-learning space. The spacious open-concept kitchen and great room are designed for entertaining. The kitchen is a chef’s dream, boasting stainless steel appliances, including a gas range, granite countertops, a custom-tiled backsplash, under-cabinet lighting, 42” crowned cabinets, a large walk-in pantry, and an oversized breakfast bar. Adjacent to the kitchen, the breakfast nook provides a cozy spot for casual meals or morning coffee. Open the triple sliders from the great room to an extended screened-in lanai, where you can relax and enjoy tranquil pond views. The luxurious master suite features a tray ceiling, abundant natural light, his and her closets, and a spa-like en-suite bath. The master bath includes separate vanities, a large soaking tub, a glass-enclosed shower, and a private water closet. Three additional bedrooms are thoughtfully situated on the opposite side of the home for added privacy. Two bedrooms share a full hall bath, while the fourth features its own en-suite bath, ideal for in-laws or guests. Throughout the home, you’ll find stunning details such as tray ceilings, crown molding, arched doorways, granite countertops, wood cabinetry, tile flooring in main living areas, plush carpet in bedrooms, and upgraded lighting. Resort-Style Living in Channing Park the new owners will Enjoy access to unmatched community amenities, including a heated pool, pirate ship splash pad, gym, playgrounds, sand volleyball court, soccer field, and a dog park. With NO CDD fees and highly rated schools nearby, Channing Park is the perfect place to call home. Schedule your tour today to see this exceptional home!
Source: STELLAR #TB8336945
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8336945
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.
