27549 Stonecreek Way, Wesley Chapel, FL 33544
4 beds · 3 baths · 2,701 sqft
Get a free consultation call with an expert in the mortgage assumption process.
JUST IMAGINE owning the corner lot in a cul-de-sac in the highly sought-after gated community in Wesley Chapel, Seven Oaks. That is precisely what you get with this IMMACULATE and WELL-MAINTAINED property in the Stonecreek neighborhood. As you approach the front door, observe the freshly UPDATED LANDSCAPING that gives this home a beautiful curb appeal. This delightful residence features a fully fenced backyard that offers exceptional privacy, making it an ideal retreat for relaxation and outdoor activities. Once you enter the foyer, survey the SPACIOUS LIVING SPACES that connect the kitchen, typically referred to as the “heart of the home,” to the formal and functional settings for entertaining. Natural light comes into the back and front of the house. New light fixtures and freshly painted walls bring an inviting, move-in-ready atmosphere. The kitchen has a new smart refrigerator that complements the two-tone cabinetry many have desired in recent years. When heading upstairs, as soon as you get to the top, you will be able to see a loft space that will bring in an anchor point for upstairs living and a laundry room. To the right is the MASSIVE PRIMARY BEDROOM, with a surprisingly spacious office area tucked away, a walk-in closet, and a proportionate primary bathroom with a water closet, all providing an owner’s retreat that is very inviting after long days. On the other side of the second floor, three oversized rooms share one complementary-sized bathroom to service. The home has been regularly maintained since it was built in 2012. After touring inside, go back downstairs and walk out to the screened-in lanai, take in the fantastic feeling that this lot is the best on Stonecreek, and your views will always provide a sense of privacy with the mature, treelined area that will not be altered. When looking for places to go off I-75, Wiregrass, Crate, Main Event, Tampa Premium Outlets, and plenty of restaurants are within 20 minutes or less from this gem of a home. If you choose not to leave the community, you can take a quick drive to the amenities provided to all Seven Oaks Residents and enjoy a fitness center, pools, tennis courts, basketball courts, open fields to play soccer or flag football, and many more activities within the community center. Even so, within the immediate gated section is a play area and a half-court if you care to play within walking distance of the front door and enjoy getting to know the lovely neighbors. Please click on the 2ND VIDEO TOUR LINK to watch the AMAZING DRONE VIDEO! Don’t miss the opportunity to make this tranquil paradise your own!
Source: STELLAR #TB8375001
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8375001
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.