2224 Spanish Vistas Dr, Dunedin, FL 34698
3 beds · 2 baths · 1,300 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Under contract-accepting backup offers. Charming Dunedin 3 Bed, 2 Bath, 2-Car Garage home situated in a Prime Location! Nestled in one of Dunedin’s most desirable high and dry non-flood zone areas. This residence boasts tall ceilings, a spacious 2-car garage, and endless potential for you to make it your own. Large yard with covered patio and mature fruit tree - the backyard is the perfect blank canvas to make into your dream oasis. Located just minutes from the vibrant heart of downtown Dunedin, you'll love being close to the city’s artsy, colorful, and eclectic scene—filled with unique shops, local restaurants, craft breweries, and community events. Enjoy easy access to pristine beaches, boutique shopping, and countless outdoor adventures. Just a short drive away, Honeymoon Island offers sun-soaked days of swimming, fishing, and water activities. The neighborhood is quiet and bike-friendly, perfect for morning rides or evening strolls under the Florida sun. Don’t miss this opportunity to live the Dunedin lifestyle to its fullest. Schedule your private tour today!
Source: STELLAR #TB8373419
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8373419
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.