30221 Alder Rd, Punta Gorda, FL 33982
2 beds · 2 baths · sqft
MOTIVATED SELLERS!!! BRING US OFFERS! PRICE REDUCTION! MUST SELL! BRING YOUR BOAT AND RV! NO FLOOD ZONE! What a Gem!!! Beautiful Renovated 2/2. Garage has also been enclosed expanding the home! ALL UNDER AIR! Efficiency 2 stage A/C 2023 system with a heat pump water heater. NEW METAL ROOF sheeting and installation 2024 with all new energy efficient windows The Master Bedroom has an added Walk-In Closet with shelving and adjustable mood lighting on a dimmer switch. Enjoy your 5 x 7 walk-in shower elegant white tile with a large seating area and a Shower Panel. The Open Kitchen's been redesigned with maple cabinets and soft close hardware, featuring a large workstation sink as the island boasts gorgeous white quartz countertops with full wall backsplash to match. Also, enjoy your custom coffee station matching kitchen counters and countertops, just opposite the kitchen. From there, step through the wooden french doors into your peaceful secluded sun room. This sun room is inundated with light due to the 12ft 3 panel glass sliding doors. Enjoy your coffee looking out onto your oversized back yard and shady Oak Tree. Room for the animals and kids to play. Plenty of space for working on vehicles and toys in your workshop/garage that also has an enclosed screen porch to BBQ in out of the weather. Most of the home has waterproof engineered hardwood flooring. Upgraded electrical panel, drop lighting and all new ceiling fans. The New Laundry Room boasts cabinet space, a washer/dryer and a custom beautifully tiled dog wash station. Off the laundry room is the mud room and additional flex space/bedroom/office. This home is truly a gem with the Community being extremely active with holiday festivities such as Halloween Parades, Chilli Cook offs, Food Truck Friday's and the list goes on. Community Center is also available for special occasions to rent. Water Access Bonus for the Boat Lovers out there! You have the option for a very small yearly fee, at your disposal the community boat ramp. What a great neighborhood to be a part of! Schedule your showing and come see for yourself! Both lots connecting are also available for sale if interested.
Source: FORTMYERS #224071741
Interest rate and monthly payment estimated based on public records.
Source: FORTMYERS #224071741
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: #224071741
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.