3004 Rosebud Ln, Brandon, FL 33511
4 beds · 2 baths · 1,600 sqft
Nestled in the heart of Brandon, Florida, this stunning 4-bedroom, 2-bath single-family home is the perfect haven for families and furry friends! Boasting 1,600 sq. ft. of beautifully updated living space, this home features a private in-ground pool with a newer hot tub, a resurfaced pool, and an oversized screened-in patio—ideal for entertaining or enjoying family time. The very large kitchen is a chef's dream, complete with granite countertops, stainless steel appliances, soft-close cabinets, and ample cabinet space. The master suite offers a peaceful retreat with tall ceilings, a deep walk-in closet, and a spa-like bathroom. Recent upgrades include shiny porcelain tiles, a new HVAC system, gutters, light fixtures, ceiling fans, garage epoxy flooring with shelving, and fresh interior/exterior paint. Conveniently located near Bloomingdale’s shopping and dining options, as well as major highways, this move-in-ready home is a must-see for growing families!
Source: STELLAR #tb8329313
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8329313
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.
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: #tb8329313
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.