21220 Pemberton Ave, Port Charlotte, FL 33952
2 beds · 2 baths · 1,431 sqft
Welcome to your dream home! This exquisite property, situated on a prime corner lot in Port Charlotte, offers luxurious living with two primary suites and a host of amenities. Move-in ready, this home features luxury vinyl flooring throughout and charming open beams in the living area that overlook the picturesque backyard. This home is designed for ultimate comfort and convenience. The central kitchen serves as the heart of the home, with ample seating and quick access to the dining room, perfect for hosting additional guests. The living area, with its bright and inviting space, provides a cozy yet sophisticated ambiance, seamlessly connecting indoor and outdoor living. The primary suite is a true retreat, featuring an oversized layout with a sitting area that includes sliders leading directly to the pool. This suite boasts dual walk-in closets, dual vanities, and a walk-in shower. The additional guest suite is equally impressive, with an attached full bathroom ensuring privacy and comfort. Step outside to discover your private oasis. The large screened lanai and sparkling pool create an ideal setting for relaxation and entertaining. The fenced-in yard offers both privacy and security, making it perfect for families and pets. Located within minutes of shopping, dining, gyms, medical facilities, and I-75, this home provides unparalleled convenience. Plus, it's just a short commute to some of Florida’s finest beaches, making it an ideal location for enjoying the best of both worlds. Don’t miss the opportunity to own this stunning property. Schedule your showing today and experience the perfect blend of luxury and practicality.
Source: STELLAR #c7493364
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #c7493364
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: #c7493364
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.