3407 King George Ln, Seffner, FL 33584
3 beds · 2 baths · 1,716 sqft
***Price Reduction*** Enjoy the freedom of no HOA or CDD fees! Charming 3-Bedroom, 2-Bath Pool Home in Kingsway Downs. Situated on a spacious 0.28-acre lot, this solid block, single-story home has been thoughtfully updated for comfort and style. Recent upgrades include a new electric panel and water heater (2022), a 4-year-old AC system, and fresh interior paint. The split-bedroom floor plan offers privacy, while the enclosed Florida room—now under A/C—adds versatile living space. The kitchen is a standout, boasting newer appliances, ample cabinetry, and extra storage beneath the breakfast bar. Additional upgrades include, thermopane windows throughout much of the home, and re-plumbing through the attic. Discover this charming three-bedroom, two-bath home featuring a spacious Florida room surrounded by windows. Bask in the sunshine that fills the room all day, offering stunning views of both sunrise and sunset. Enjoy the lush outdoors with fruit trees—orange, lemon, and pomegranate—and relax by the above-ground pool. The neighborhood is peaceful, with friendly neighbors and a nearby elementary school, YMCA and Publix all in walking distance. The garden boasts a fragrant gardenia bush and a lemon tree that fill the air with delightful scents. This year, the home has seen many updates, including new flooring and carpet throughout, a new washer and dryer, a new fridge, a new dishwasher, and new toilets in both bathrooms. Additionally, a whole-house fan in the attic ensures fresh, clean air throughout the home. It's the perfect serene abode for any family This home's location is hard to beat—close to shopping, the N. Brandon Sports Complex, the N. Brandon YMCA, and Seffner Elementary School.
Source: STELLAR #TB8326359
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #TB8326359
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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 of Equal Opportunity Act.