2808 WINDING TRAIL DR, Valrico, FL 33596
Welcome to 2808 Winding Trail Drive, a stunning abode nestled in the coveted Twin Lakes community of Valrico. This smartly designed home boasts 4 bedrooms, 3 bathrooms, and a generous 3,144 square feet of living space, all set on a spacious .37 acre corner lot. Step inside to discover a host of modern amenities, including a formal dining room, decorative fireplace, and a convenient breakfast nook. The spacious kitchen is equipped with an island and stainless appliances for a chef's paradise. The property features a 3-car garage, providing ample parking and storage space. Entertain guests in style in the screened-in pool and newly re-surfaced lanai, or enjoy the privacy of your own cabana and private outdoor space. The home also features a security system for peace of mind and is pet-friendly, making it a haven for all family members, including the furry ones. Upstairs, an oversized flex/entertainment space awaits, offering endless possibilities for relaxation and leisure. The whole house water softener and reverse osmosis water filtration system ensure that you can enjoy the best quality water throughout the home. Conveniently located less than 40 minutes from Tampa International Airport and under 45 minutes from MacDill AirForce Base, this home offers easy access to major amenities. Enjoy leisurely outings at TopGolf and Brandon Town Center Mall, both just 20 minutes away, or savor the local craft brews at Bullfrog Creek Brewing Co., less than 10 minutes from your doorstep. Don't miss the opportunity to make this exceptional Valrico residence your own. Contact us today to schedule a viewing and make this house your new home!
You may be able to put down less than the total down payment amount of $164,349 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: #t3547814