4008 Cat Mint St, Tampa, FL 33619
4 beds · 3 baths · 2,109 sqft
Under contract-accepting backup offers. Welcome to this beautiful 4-bedroom, 2.5-bathroom home, built in 2019. Nestled in the sought-after Touchstone community, this home not only provides modern charm but also offers a plethora of amenities for a truly enriching lifestyle. Upon entering, you're greeted with an open floor plan creating a stylish and functional living area. The cook in your family will love this kitchen that comes with ample counter space, plenty of cabinets, and a large pantry for storage. Laminate tile throughout the entire home. The great room unfolds into a highly upgraded kitchen, featuring high-end granite countertops. The open layout allows for the integration of a dining table, creating. A convenient half bath on the lower level adds to the practicality of the design. Venturing upstairs, you'll be delighted by the beautiful laminate flooring and a versatile loft area flex space that can adapt to your daily living needs. The master bedroom is a spacious retreat with an en-suite bath, boasting an upgraded bathroom, a walk-in shower, and a generously sized closet. The other bedrooms are all generously sized, sharing another full bath with a spacious storage closet. Step into the backyard, where an extended cover lanai and a charming vinyl fence create a private oasis. Perfect for embracing the Florida lifestyle, this outdoor space is an ideal spot for relaxation and entertainment. To further elevate your living experience, the Touchstone community offers an array of amenities, including a clubhouse with a lounge and pool table, a resort-style swimming pool, a splash park, a playground, a fitness center, and a park. Conveniently located just minutes from shopping, restaurants, and I-75, this home offers a quick 15-minute drive to downtown Tampa and a 25-minute journey to Tampa International Airport. This move-in-ready home is bound to "wow" you. Don't miss the opportunity to make this your home today.
Source: STELLAR #t3544545
Source: STELLAR #t3544545
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: #t3544545