1783 Shirley Ln, Largo, FL 33774
3 beds · 2 baths · 1,218 sqft
Nestled in the heart of Largo, Florida, this charming 3-bedroom, 1 1/2-bathroom home is more than just a residence; it's a complete lifestyle package. Boasting a den and sold turnkey, this property offers not just a house, but a ready-to-enjoy sanctuary where comfort and convenience intertwine seamlessly. Upon stepping inside, you're greeted by a welcoming atmosphere, where every detail has been meticulously curated for both style and functionality. The interior exudes a blend of modern elegance and cozy charm, with tasteful furnishings enhancing every corner. The heart of the home lies in the well-appointed kitchen, where cooking becomes a delight amidst updated appliances and ample counter space. Adjacent, the dining area beckons for memorable meals with loved ones, framed by windows that fill the space with natural light. Retreat to the comfort of the bedrooms, where plush beds and thoughtfully chosen decor ensure restful nights. With all furnishings included, from bedroom sets to living room accents, this home offers the rare opportunity to move in and start living immediately, without the hassle of furnishing. Outside, the backyard is a true oasis, beckoning you to unwind and soak in the Florida sunshine. Immerse yourself in relaxation as you dip into the rejuvenating waters of the hot tub, surrounded by meticulously maintained gardens and the soothing sounds of the koi pond. With a roof from 2018 and updated windows, this home offers both peace of mind and added value. Whether you're seeking a permanent residence, a winter escape, or an investment opportunity, this turnkey property caters to your every need. Conveniently located just minutes away from Indian Rocks Beach and safely outside of flood zones, you'll enjoy easy access to sun, sand, and surf. Embrace the Florida lifestyle in this exquisite home, where every day feels like a vacation, and all you need to bring is yourself.
Source: STELLAR #t3533414
Source: STELLAR #t3533414
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: #t3533414
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.