32176 Goddard Dr, Wesley Chapel, FL 33543
4 beds · 4 baths · 2,840 sqft
Under contract-accepting backup offers. This is it! Welcome Home to this best selling "CAMDEN" mulit-generational floorplan by DR Horton in the highly sought after Union Park. This home features three bedrooms and 2.5 baths in the main part of the home PLUS an adjoining IN LAW SUITE with its own bedroom with en-suite bathroom and living room. This home’s contemporary open concept plan is perfect for entertaining combining a large living room and dining room that flow into the kitchen. Fully appointed with granite countertops, solid wood cabinets of cabinet space, stainless steel appliances (including dishwasher, range, and microwave hood), and a corner pantry. Two bedrooms at the front of the home are connected by a full bathroom, and the Owner’s Suite is located on the back of the home for privacy and boasts a large walk-in closet, double vanity, separate garden tub and shower, and linen closet. NO REAR NEIGHBOR. The covered lanai overlooks a conservation area Union Park is a utopian neighborhood with trails, pools, splash pad, dog park, playgrounds, courts, tons of green space and more. The community hosts several fun events throughout the year. <div style="padding:56.25% 0 0 0;position:relative;"><iframe src="https://my.matterport.com/show/?m=9jEwNeXe63H&mls=1" frameborder="0" allow="autoplay; fullscreen" allowfullscreen style="position:absolute;top:0;left:0;width:100%;height:100%;"></iframe></div>
Source: STELLAR #o6228470
Source: STELLAR #o6228470
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: #o6228470
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.