28337 Picana Ln, Wesley Chapel, FL 33543
4 beds · 4 baths · 4,193 sqft
Under contract-accepting backup offers. Just what you have been waiting for this Stunning move-in ready home located in the established community of Estancia! This 4BD/3.5BA Pool home is located on a pond lot. As you make your way into the home you will find the front exterior has gemstone permanent architectural lighting. Entering this home, you will be greeted on the right with a spacious flex room that could easily be used as an office as it features built-in cabinets. As you make your way through the home, you will find the most precious doggie den with a barn door for your pets to have their own personal space. The Dining room is conveniently located on the left as you make your way to the dream come true living area. You will start to envision your friends and family in this very open living space that features a glass electric fireplace, custom cabinetry and shelves. As you find your way to the gourmet kitchen, you will find multiple upgrades, to name a few: 42" cabinets, soft-close drawers, pull-out drawers, quartz countertops, an upgraded appliance package (Cafe) and a pantry with generous amount of space. The home has a split bedroom floor plan. The primary bedroom is located on the left side of the home where you will find when it is time to retire for the day, another cozy glass electric fireplace and a spectacular view of the pond outback. The secondary bedrooms are in multiple locations: one at the front of the home and two located on the right side of the home, just past the kitchen. The game room is conveniently located downstairs with sliders that will lead you outback. Once upstairs, you will find a loft area as well as the bonus room. This area could easily be used as a media room as it features surround sound. You will find upstairs there is a generous size storage closet as well as another storage area in the HVAC closet. Making your way outback, you will be greeted with the most spectacular view of the pond!! There is a sport pool with mosaics, sun shelf, and an oversized spa. Just imagine your weekend barbeques or holiday get-togethers with family and friends enjoying your outdoor kitchen that showcases a 5 burner gas grill, a 2-side burner, sink and hood and last but not least, the nebula track lighting above the pool. This home has multiple upgrades that must be seen in person making this definitely move-in ready and waiting for its new owners. Contact me today to schedule your viewing.
Source: STELLAR #tb8305912
Source: STELLAR #tb8305912
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: #tb8305912