25954 Risen Star Dr, Wesley Chapel, FL 33544
4 beds · 4 baths · 3,016 sqft
Welcome home to tranquility. This beautiful and spacious 4 bed/3.5 bath/2 car garage 3016 sq/ft POOL home located in the Lexington Oaks golf community of Wesley Chapel sits on the golf course in the Northhampton Village of the community. This home features a split-bedroom floorplan, den/office, formal living/dining rooms, PLUS a large bonus room. As you enter the home through the double door entry, the focus is on a large foyer with French doors to the office which flows to the separated living room/dining room & provides a great view of the pool. The open floor plan continues into the kitchen/breakfast nook overlooking the large family room. The kitchen features an abundance of 42" cabinets, granite counters, pendant lighting, stainless steel appliances, an island, breakfast bar & pantry. The large primary bedroom includes two walk-in closets and a bathroom with double sinks, garden tub, & separate shower. There is an abundance of storage in this home with extra storage under the stairway & in the hallway by the guest bedroom. The large laundry room will make any laundry day less of a chore. The screened salt-water and heated pool & lanai has a built-in bar that makes this area great for entertainment. The pool can be accessed from FOUR separate sliders, which makes this one of the BEST gathering places of the home. From the pool enjoy the evenings overlooking the peaceful golf course & conservation views beyond. HVAC units replaced 2023(downstairs) 2021 (upstairs) , hot water heater (2018), roof (2014), and pavers installed (2019). Lexington Oaks offers an array of amenities within its deed-restricted, pay-as-you-go golf community, including a championship 18-hole golf course, fitness center, heated pool, and various sports courts. Additionally, residents can enjoy the clubhouse and Omari's Bar & Grille. There are also two daycare centers in the community. Conveniently located near high rated schools and Reputable hospitals, this home ensures both comfort and convenience. Plus, with a low HOA and CDD fee (included in taxes), it presents an exceptional opportunity to embrace the coveted Lexington Oaks lifestyle. Plus, with QUICK ACCESS to I-75 and I-275, Wiregrass mall, Outlets stores, The Krates, and renowned Restaurants, you'll find that this location truly epitomizes the Perfect Blend of Convenience, Accessibility and Charm. In addition, it boasts a comfortable commute time to downtown Tampa and Tampa International Airport.
Source: STELLAR #t3548845
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3548845
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: #t3548845
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