320 Vista Cruiser Ln, Oldsmar, FL 34677
3 beds · 3 baths · 1,445 sqft sqft
This Meticulously Kept 3 bedroom, 2.5 bath Detached Townhouse offers a Unique Blend of Modern Southern Elegance along with Modern Convenience. Located in the Heart of Oldsmar Florida, (and Much Like the Previous Sales Agent Proclaimed) … It Captures the Similarity and, is Reminiscent of Old Southern Cities like Charleston. Located in the Boutique Community of Hayes Park Village, this is a True Gem. Offering a perfect Combination of Historic Allure, Contemporary Comfort, and Timeless Architectural Charm.! . Now… Upon arrival, you’ll step onto the Beauty of Well-Maintained Grounds, and Immediately be Greeted by the Tranquility of this Unique Boutique Community. With the Amenities for Relaxing Around the Firepit within a Sereen Surrounding of Lavish Greenery and Amazingly Enchanting Ambiance of Well-Kept Surroundings. You’ll find Yourself in an Atmosphere of Memorable Times and Friendly Neighbors. With a Freshly Painted Exterior to add to this Beautiful Townhomes' Interior, the Inside of this Townhouse is a Perfect Blend of Sophistication and Functionality. The 3 Bedrooms allow Ample Space for Relaxation and Room for Comfort, while the Bathrooms are Designed with Modern Details in Mind. With Open Concept Living Areas, and Perfect Lighting it Creates a Welcoming Atmosphere for Both Daily Living and Entertaining Family and Guests Alike. This Townhome Guarantees a Comfortable and Stylish Living Experience with a Connection to the Rich History of Southern Architecture. Take Advantage of Your Opportunity to Own this Detached Townhome, among the Few, in Charming Oldsmar. And Make New Beginnings Come True.!
Source: STELLAR #tb8306747
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8306747
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: #tb8306747
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.