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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.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
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Details
Home
Size
4,193 sqft
Lot size
0.27 acres
Year built
2021
Type
Single Family Residence

Source: STELLAR #tb8305912

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?

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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?

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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?

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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?

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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?

expand content

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.

View all FAQs
Last updated: Oct 20, 2024 12:02 am
Listing agent: Carol Romeo (813) 727-1962
Listing provided courtesy of: COLDWELL BANKER REALTY (813) 685-7755
Details provided by STELLAR and may not match the public record.
MLS ID: #tb8305912
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.