2712 W Gray St, Tampa, FL 33609
4 beds · 5 baths · 3,206 sqft
MITCHELL, WILSON, PLANT School district! About about our seller incentives! Looking to live in the center of the city with walkability to restaurants, parks and a gym? This home may be for you! This 4 bedroom, 4.5 bathroom home features over 3200 sq ft along with a two car garage and its charming curb appeal enhanced by a paver brick driveway is sure to grasp your attention. As you enter, you are greeted by the foyer that seamlessly blends into the living and dining room. The spacious designer kitchen includes: a breakfast bar, central island, 42” custom cabinetry, granite countertops, stainless steel appliances, walk-in pantry, and a wine refrigerator. The owner's retreat is conveniently located on the first floor and boasts tray ceilings, crown molding and two custom walk in closets. The owner's bath features: dual vanities, a soaking tub, and a large walk-in shower. Upstairs, each of the 3 bedrooms has its own ensuite bathroom and walk-in closet! The possibilities are endless with the upstairs oversized bonus room. The ample sized laundry room offers shelving and a laundry sink. Let's venture on to the backyard where you can most certainly fit a pool and spend your summer days in the shade under the lanai! However, if you feel like venturing outside, take your pick! You are not only two blocks away from the JCC's fitness and aquatic center but also to Vila Brother's Park and West Pines Park. These parks feature: basketball courts, dog park and playground. If you're hungry, take a brisk 10 minute walk to grab a bite to eat at Psomi or Raw Smoothie Co. Hop in the car for a 4 minute ride to Rome & Fig and Willa's Provisions for a nice lunch or dinner!
Source: STELLAR #t3532684
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3532684
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: #t3532684
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