20345 Moss Bend Ct, Lutz, FL 33558
5 beds · 4 baths · 3,498 sqft
Under contract-accepting backup offers. Welcome to your dream home on the serene shores of Lake Moss! This immaculate 3,500 sqft, 2-story residence is a true gem, nestled on 1.6 acres of lush, private land. Enjoy the best of Florida living without the burden of HOA or CDD fees. As you enter through the front gate, you're greeted by a sense of tranquility and seclusion. The open floor plan seamlessly blends indoor and outdoor living, with every room offering stunning views of the private ski lake. Whether you're relaxing in the spacious living area, cooking in the gourmet kitchen, or enjoying a meal in the dining room, you'll be captivated by the beauty of the water just beyond your windows. The main bedroom, conveniently located on the first floor, is a luxurious retreat featuring lake views and easy access to outdoor living spaces. Upstairs, you'll find additional well-appointed bedrooms, each offering its own unique perspective of the lake and surrounding landscape. With 100 feet of water frontage, this home is a paradise for water enthusiasts. Spend your days boating, fishing, or simply soaking in the sun on your private dock. As the day winds down, gather on the patio to watch the sun set over the lake, painting the sky with vibrant hues. Located just 20 minutes from downtown Tampa, 8 minutes from Publix, and 5 minutes from ER 24/7, this property offers the perfect blend of privacy and convenience. Whether you're looking for a peaceful retreat or an entertainer's dream, this Lake Moss home delivers it all.
Source: STELLAR #t3478898
Source: STELLAR #t3478898
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: #t3478898