201 Gornto Lake Rd, Brandon, FL 33510
4 beds · 4 baths · 3,802 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Discover an unparalleled sanctuary in Brandon. Rare 4.68-acre private lakefront estate w/ meticulous renovations & incredible convenience. Secure gated entrance & long private drive lead via charming, auto-lit brick path to a residence promising seclusion & sophistication. A bespoke lifestyle – your expansive retreat, secluded yet connected, mins from Tampa Bay amenities. Grounds: Your Private Park Escape to nearly 5 serene acres on a spring-fed private lake w/ private beach (NO HOA). Unparalleled space/seclusion. Ag zoning unlocks potential: gardens, orchards, animals (horses possible, buyer verify). Established fruit trees & raised beds invite enjoyment. Automated dusk-to-dawn string lights illuminate carport/trees near A-frames, adding magic. Perfect for "urban farm" lifestyle or unmatched privacy. Renovated Residence: Modern Comfort Step inside the 3,802 sq ft (4Bed/4Bath, buyer verify) smart home, transformed by high-end renovations. Updated gourmet kitchen, lux baths, new roof (2024) ensure comfort & peace of mind. Integrated smart tech enhances security/convenience. Unique Flex Space: Basement & A-Frames Advantage: rare 952 sq ft partially finished basement (heated/cooled). Clean slate for customization: theater, gym, cellar, workshop, storage. Two charming, detached A-frames offer ideal bonus spaces: dedicated home offices, art/music studios, quiet retreats. Location: Secluded Yet Connected Experience the ultimate paradox: country estate tranquility w/ central Brandon convenience. Mins to Downtown Tampa (~15 min), TPA (~25-30 min), Westfield Brandon shopping/dining, & major highways (~5 min). Best of both worlds. Investment & Details: Compelling opportunity w/ substantial acreage, unique features, prime location, event venue/ag potential. Smart Home: Nest Thermostat, Ring Cams, Smart Locks (most doors), Power Generator. Furniture: Interior designer-curated collection included w/ sale. Turnkey transition potential. Inquire. Utilities: Well w/ softener, Septic (Serviced Fall '24), New TECO transformer, New Frontier Fiber Optic. Showings: Pre-approval/Proof of Funds required prior to private viewing. Appt only for pre-qualified buyers. Invitation: Own this extraordinary Brandon estate. Qualified purchasers contact us for a tour & experience the unique homestead lifestyle offered.
Source: STELLAR #TB8377850
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 #TB8377850
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 and Equal Opportunity Act.