3706 Bigelow Dr, Holiday, FL 34691
3 beds · 2 baths · 1,451 sqft
THIS HOME HAS NOT SUSTAINED ANY DAMAGE FROM EITHER OF THE 2 HURRICANES!Discover this beautifully updated, move-in-ready home featuring three spacious bedrooms, two modern bathrooms, and a fully fenced backyard. This solid home withstood recent storms without a scratch, staying high and dry with zero damage! The heart of the home is the kitchen, which showcases recent upgrades, including sleek stainless-steel appliances, rich walnut hardwood cabinets, recessed LED lighting, a large single-basin sink, and a beautifully designed backsplash. Throughout the home, the flooring has been refreshed with durable laminate and luxury vinyl in the bedrooms for both style and ease of maintenance. Designed with comfort and efficiency in mind, this home boasts a new HVAC system, complete with updated ductwork and a mini-split unit in the master bedroom. A key feature is the installation of brand-new hurricane-resistant, double-pane windows and doors, ensuring peace of mind and energy efficiency. The home’s stylish design elements include accent walls, multiple barn doors, industrial ceiling fans, and an outdoor stainless-steel kitchen, ideal for entertaining. The thoughtful split floor plan provides privacy, with two generously sized spare bedrooms and a second bathroom on the opposite side of the house from the master suite. For added seclusion, an office nook is tucked away with its own barn door. Step outside to the enclosed backyard, accessible through double gates that allow for boat or RV parking. The expansive outdoor space features a covered patio, a cozy fire pit area, and a variety of fruit trees. Additional perks include a water softener, a well irrigation system, and a high-tech 1080p, 8-camera security system with 2TB of storage, all included for the new owners. Conveniently located near Pinellas County beaches, Tampa, and the Nature Coast, this turnkey home is perfectly positioned for easy access to all that the area has to offer. Homeowner’s insurance is affordably priced at $2041/year, with transferable flood insurance available for just $710/year. Don't miss the opportunity to experience this charming home. Schedule your private tour today before it's gone!
Source: STELLAR #TB8320264
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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 #TB8320264
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.