40 Aster Pl, Oldsmar, FL 34677
3 beds · 2 baths · 1,712 sqft
One or more photo(s) has been virtually staged. Welcome home to your fully updated villa in the exclusive, gated, golfing community of East Lake Woodlands. Close to everything with an easy commute to Tampa, the airports and the best beaches in the state; Dunedin, Safety Harbor & Clearwater all a quick drive away. This spacious and loft like villa has the feel of grand open living. Voluminous ceilings with dormer windows offering an abundance of natural light, filling the wide open space, bringing the outside in, taking full advantage of the natural, lush wooded location. The Florida room has been incorporated into the main living space for additional living to spread out. Fully updated in 2021, the bright kitchen boasts soft close shaker cabinets, quartz countertops, mosaic backsplash, stainless steel appliances, (LG, Whirlpool Samsung 2022) including a conveniently located Samsung washer dryer laundry closet. Split plan bedrooms create privacy for guests, tiling flooring throughout makes for easy upkeep. Primary bedroom contains cozy nook for in home office space or reading, updated ensuite bathroom has dual vanities and a shower. Water Heater (2023) New Roof (2021) A/C (2017) Water Softener. Cluster V offers a swimming pool for its’ residents. The pool is steps away from the villa, with a changing room/restroom and it is being newly refurbished, anticipated to open in late Winter. Beyond the amazing nature and walking routes to enjoy, there is also the Ardea Country Club, recently undergoing an 11 million dollar makeover, it offers two exceptional 18 hole golf courses, pro shop, lap pool, restaurant, tennis courts, pickle ball courts, banquet hall & fitness center. It is available to join for ELW residents. Call directly for membership information. Villa comes with deeded carport (#40) SELLERS OFFERING BUYER CONCESSIONS OF $5000 towards closing costs AND This home comes with a 13 MONTH HOME WARRANTY for buyer's Peace of Mind and to help make transitioning easier!
Source: STELLAR #TB8342457
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8342457
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 of Equal Opportunity Act.