30554 Pecan Valley Loop, Wesley Chapel, FL 33543
3 beds · 2 baths · 2,001 sqft
HUGE PRICE REDUCTION: Selling below $440,000.00 appraisal. This is your chance to own a home in the highly sought-after master-planned Country Walk community. This stunning 3-bedroom, 2-bathroom contemporary home includes fresh interior paint throughout, as well as a brand new GAF roof and Trane HVAC system installed in July 2024, providing you with peace of mind and energy efficiency for years to come. Nestled on a most desirable lot, you will enjoy a tranquil wooded backyard view of a protected conservation area and a serene pond view from the front. Inside, the home is filled with natural light, featuring high ceiling and an open floor plan that perfectly complements modern living. The open plan living allows natural flow through the home making it ideal for entertaining and features a large wall of three glass panel doors leading to a private patio and fully fenced backyard oasis-perfect for relaxing or hosting gatherings. The kitchen includes all wood cabinets, stainless steel appliances=brand new refrigerator and dishwasher installed in July 2024, an arching Delta touchless faucet, a large pantry, and a cozy eat-in breakfast area. The split bedroom layout offers privacy, with two bedrooms and a full bathroom in the front of the home. The oversized master bedroom includes a custom designed Elfa closet organization system in the larger of the dual closets. The master bath features a spacious countertop, dual sinks, garden tub, glass enclosed standalone shower, and a separate water closet. Upgrades throughout include, porcelain tile flooring, custom 2-way Levolor energy saving blinds, Leviton Decora light switches and electrical outlets, and low profile Hunter ceiling fans with remote controls. Smart home upgrades include Schlage electronic front door lock, Leviton coaxial cable and CAT-5E network outlets, and a security alarm with hard-wired sensors currently under ADT service. In the garage, you'll find a GE water softener, Rheem water heater (installed in 2020) Rubbermaid FastTrack shelving/organization system, and sturdy 3/4" plywood hurricane shutters stored on custom space saving racks above the garage. Additionally, attic space above the garage has been outfitted with plywood flooring for easy access to additional in-home storage. Don't miss out! Schedule your showing TODAY!
Source: STELLAR #t3534896
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3534896
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: #t3534896
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.