300 S Julia Cir, St Pete Beach, FL 33706
3 beds · 3 baths · 1,896 sqft sqft
A place called home! This 3 bedroom 2.5 bath garden pool home, nestled on a tranquil street, on the desirable Island of Vina Del Mar. A custom designed leaded glass door leads to an entrance hall opens to living and dining room or sunny kitchen with a sitting area. This looking out to the lovely caged free-formed pool and integrated spa. The cool leathered marble surface patio is a fabulous entertaining area or a peaceful serene oasis. White cabinetry kitchen features quartz counters, updated appliances and convenient new coffee bar. The primary bedroom suite has a vaulted ceiling with glass sliding doors that open to pool patio. Two car garage, tile roof, dual AC, mature landscaping help complete this delightful home. This location provides the enjoyment of beach living, including playground, tennis, pickleball, basketball and dog park all a walk or golf cart ride away. Nearby trendy restaurants and shops of historic Pass A Grille. The casual serenity of island life with easy access to world class events, professional sports, museums, concerts, theme parks, fine dining and international airports. What more could you ask for in a place to call home?
Source: STELLAR #u8253239
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #u8253239
Source: Public records
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.
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: #u8253239