21241 Winside Ave, Port Charlotte, FL 33952
4 beds · 2 baths · 2,559 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Under contract-accepting backup offers. Beautiful 4 bedroom 2 bath single family POOL home in the heart of Port Charlotte on a double lot! This well maintained property boasts over 2,500 sq ft under air and is move in ready. The interior has a spacious family room with vaulted ceilings & a wet bar, a separate living room, and a formal dining room, giving you plenty of space to entertain. The well appointed kitchen has plenty of cabinets for storage, a freestanding pantry, and a breakfast nook overlooking the lanai and pool area. The primary suite features a large bedroom with lanai access, dual walk in closets, and leads to your private en-suite bathroom. The large bathroom has dual sinks, a walk in shower, and a jacuzzi tub. The three guest bedrooms are on the opposite side of the home, allowing privacy for your guests. The guest bathroom has a shower/tub combo and opens up to the lanai for easy clean up after a dip in the pool! Enjoy spending time on your oversized lanai with a large pool overlooking the fenced in yard. With mature landscaping and a 6 foot privacy fence, this home truly has it all. There is plenty of room to park your RV with an added shell bank parking pad with 50 amp & 20 amp outlets. Other upgrades include: 2 year old roof, pool motor replaced Dec 2024, large interior laundry room with laundry sink, extra shelving in the garage, added exterior outlet for direct generator plug in, exterior paint approximately 2 years ago, and so much more. Conveniently located to shopping, dining, entertainment, medical, beaches, boat ramps, and much more! Make your appointment to see this awesome home in a welcoming community today.
Source: STELLAR #C7502939
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #C7502939
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 of Equal Opportunity Act.