32779 Brooks Hawk Ln, Wesley Chapel, FL 33543
3 beds · 2 baths · 1,516 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Are you ready to move into YOUR lovingly maintained 5 year young home, well then, just pack your bags! Located on a quiet conservation lot in the desirable community of Union Park, this home is perfect for the first time homebuyer or retiree! Upon entering the home, you will find a large dining area. Split floor plan offers the two secondary bedrooms and full bath off the dining area. The kitchen boasts granite countertops, a breakfast bar, farmhouse sink and pantry, and is an open area with the living room. Owner's suite located off the living room has a ceiling fan, walk in closet and private bath. Brand new carpets in all three bedrooms. Sliders in the living room lead you to your private lanai and fenced in, secluded and peaceful backyard, where you can spend time barbecuing, gardening or just taking in the beautiful nature. Two car garage allows plenty of storage for all your toys. This home also features it's own water softener. LOW HOA fees, which include cable/internet. Union Park offers many awesome amenities including a community pool, clubhouse, splash pad, fitness center, walking/biking trails, playgrounds, and much much more, including various community events hosted throughout the year. Conveniently located in Wesley Chapel with an abundance of shopping, restaurants, entertainment, hospitals and top rated schools, as well as easy access to downtown Tampa and Tampa International Airport, area beaches and attractions, this home is READY for it's new owner!
Source: STELLAR #TB8364995
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8364995
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.