2409 Hearth Dr, Odessa, FL 33556
3 beds · 3 baths · 1,582 sqft
Discover this stunning 3-bedroom, 2.5-bathroom townhome located in the highly sought-after neighborhood of Asturia. Perfectly designed for modern living, this residence boasts a 2-car detached garage with an oversized driveway, providing ample parking for family and guests. The inviting open-concept layout on the main floor creates a warm and spacious environment, ideal for family gatherings or entertaining friends. A conveniently located half bath enhances functionality. The chef-inspired kitchen is a standout feature, equipped with stainless steel appliances, a gas stove, sleek 42-inch cabinets, and an elegant granite countertop and island. For added convenience, there's extra storage tucked away under the stairs. This home also includes a GAS dryer with an electric/gas hookup, Behr paint throughout, and stylish wood blind window treatments on all windows. The MyQ garage door feature adds a modern touch, allowing seamless control and security. Step outside to your enlarged private courtyard oasis, where you can unwind in the fresh air or entertain guests. Upstairs, the primary suite offers a serene retreat with a generously sized en suite bathroom and a spacious walk-in closet. The second floor also includes two additional bedrooms, a full bathroom, and a dedicated laundry space, ensuring convenience and comfort for the whole family. Residents of Asturia enjoy access to exceptional community amenities, including a fitness center, resort-style pool, and a beautifully appointed clubhouse. The location offers unbeatable convenience, with proximity to shopping, fine dining, entertainment, and top-rated hospitals. For commuters, easy access to SR 54 and 589 ensures a smooth journey to Tampa and beyond. Don't miss the opportunity to call this incredible townhome your own—experience the perfect blend of style, comfort, and convenience in the heart of Asturia.
Source: STELLAR #TB8334863
Send questions to support@withroam.com
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
Source: STELLAR #TB8334863
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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.