2826 Kavalier Dr, Palm Harbor, FL 34684
4 beds · 4 baths · 2,066 sqft
Welcome home to this 4BR/3BA pool home in highly sought after Lake Valencia. This split plan property has it all with over 2000 sq ft of living space. Enjoy this open floor plan perfect for entertaining and family time together. The vaulted ceilings, large windows, and sliding glass doors out to the pool area create a bright spacious living space with a cozy fireplace, dining area, and island that joins the kitchen into the conversations. Fresh paint inside and out. The kitchen features updated dark wood cabinets, glass backsplash, granite countertops, Samsung 24.5 Cu Ft Stainless Steel Smudge proof refrigerator, Samsung 30'' Stainless Steel self-cleaning convection oven, Samsung Stainless Steel 24'' dishwasher, and Samsung Stainless Steel microwave. When it's time to entertain, enjoy the wet bar overlooking pool and lake. This spacious primary bedroom features updated laminate flooring, sliding glass doors adjoining you to the pool and an ensuite bathroom. Also featuring updated vanity, and shower with a therapeutic Alai jacuzzi tub which looks up into a sky light. The 2nd and 3rd bathrooms have updated vanities, toilets and tile in the shower. Enjoy beautiful sunsets from the back patio or pool with no rear neighbors overlooking a scenic pond. Updated roof in 2024 with transferable warranty. 1600 square feet of Hardee Exterior siding. Updated doors and stainless-steel handles throughout. Updated fire rated door leading to garage and updated garage door. Feel secure with a Blink security system on exterior of house. Last but not least, enjoy family moments at Lake Valencia Park with a freshly stocked lake guaranteed to catch fish. This home has it all!
Source: STELLAR #TB8345284
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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
Source: STELLAR #TB8345284
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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 of Equal Opportunity Act.