18330 Cypress View Way, Tampa, FL 33647
4 beds · 3 baths · 2,370 sqft
Enjoy Florida living and entertaining at its best in the highly desirable golf community of Pebble Creek in New Tampa. This 2,370 sq ft pool home offers 4 bedrooms, 3 full bathrooms, and a 2-car garage. It features an open layout with two separate living areas, both with easy access to the lanai and pool area. The family room includes a wood-burning fireplace and built-in shelving. The kitchen serves as the home's central hub, with granite countertops, wood cabinets, a pantry, breakfast bar, beverage cooler, and a wet bar with a pass-through to the dining room. The owner's suite includes a large walk-in closet (11' x 6.5'), a spacious ensuite bathroom with dual sinks, a separate shower and garden tub, and direct access to the lanai and pool area. One bedroom, located by the family room, includes an ensuite bathroom, making it perfect for guests, a teen, or an in-law suite. The other two bedrooms feature walk-in closets, ceiling fans, and share a full bath. The fully fenced backyard offers privacy, with several fruit trees, and is the perfect setting for enjoying the screened lanai, pool (30' x 12'), and spa. Recent updates include a new roof (2019), exterior paint (2019), HVAC system (2010), and hot water heater (2015). Pebble Creek is home to approximately 1,100 residences surrounding a picturesque golf course, with tree-lined streets and three convenient community entrances. With one of the lowest HOA fees in New Tampa and NO CDD, Pebble Creek offers amenities such as a community pool, tennis, volleyball, and basketball courts, parks, and playgrounds. Conveniently located near I-75, hospitals (Advent, VA, and Moffitt), dining and entertainment options (Wiregrass Mall, Center Ice, Premium Outlets), and top-rated schools (USF, HCC, and A/B+-rated primary and secondary schools.
Source: STELLAR #t3552084
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3552084
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: #t3552084
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