2604 CRESTFIELD DR, Valrico, FL 33596
MOTIVATED SELLERS WITH A FHA ASSUMABLE LOAN AVAILABLE @ 2.75% - BRING OFFERS...Welcome to Buckhorn, a wonderful, highly sought-after community with great community amenities, and close to retail shopping and a large selection of dining choices. Get ready to fall in love with this beautiful 4-bedroom, 3-bath home on a premium lot with unobstructed views of the 11th green and fairway on Buckhorn Golf Course! You’ll appreciate that the homeowners have taken care of most big-ticket items for you including a remodeled kitchen, bathrooms, and NEW A/C units. Step inside to discover a bright open floor plan with vaulted ceilings, neutral paint, and stunning views of the backyard and golf course! The formal dining and living rooms greet you upon entry and provide a wonderful place to entertain. The remodeled kitchen is the heart of the home with beautiful white cabinets, NEW stainless appliances, granite countertops, a pass-through window to the lanai, a breakfast bar, and nook! The adjacent family room offers homeowners the ideal indoor/outdoor living space with sliders opening to the lanai, vaulted ceilings, and tons of natural light. You’ll love the split floor plan, which offers optimum privacy. The primary suite secluded to one side of the home offers private access to the lanai, a huge walk-in closet, and a spa-like remodeled en-suite with teakwood floors, jetted whirlpool tub, an open shower, and a stacked stone accent wall, you’ll never want to leave! Two additional bedrooms share a full bath, while the fourth bedroom shares a full pool bath. Step outside to fall in love with the oversized screened lanai, where you can enjoy stunning sunsets in complete privacy. The lanai features a saltwater solar-heated pool and spa, an outdoor kitchen perfect for entertaining, and a pavilion that offers a serene spot to relax while overlooking Buckhorn’s golf course, known for hosting PGA events. The fully fenced yard adds an extra layer of privacy and security, making it an ideal space for both children and pets to play. Oh, did we mention the fence has double gates allowing plenty of room for your RV or boat to be parked? This house has it all, combining luxury, comfort, and convenience in one perfect package! Conveniently located with easy access to Interstate 75, Interstate 4, Highway 301, and the Crosstown Expressway. It is located minutes from the Westfield Brandon Mall, about twenty minutes from downtown Tampa, an hour from the Tampa Bay area beaches, and an hour and fifteen minutes from the Orlando area and all of its world-famous attractions. View the home virtually with this link: my.matterport.com/show/?m=CifSGHr6aU3&mls=1
You may be able to put down less than the total down payment amount of $226,903 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #t3523157