4069 102nd Pl N, Clearwater, FL 33762
3 beds · 2 baths · 1,304 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome home to this charming 3-bedroom, 2-bathroom gem with a bonus room and spacious 2-car garage! With 1,304 sq. ft. of thoughtfully designed living space, this home features an open-concept kitchen and living room that’s flooded with natural light. The kitchen is a chef’s delight with stainless steel appliances, soft-close cabinets, a breakfast bar, and space for a cozy breakfast nook. The primary suite is a retreat of its own, boasting a recently updated en-suite bathroom and a large walk-in closet. The split floor plan ensures privacy, with two spacious guest bedrooms and another updated full bathroom on the other side of the home. The living room is an entertainer’s dream with vaulted ceilings and a built-in stereo system, while the newly remodeled bonus room in the back offers LVP flooring, a mini-split AC, and new windows—perfect for a home office, gym, or creative space! Step outside to the cozy back patio, ideal for a bistro set and grill to soak up the Florida sunshine. This home is packed with modern upgrades, including a smart thermostat, Ring cameras, and doorbell (subscription required). The oversized garage has laundry hook-ups and extra cabinets for storage. Living in this community means low-maintenance living with an HOA that includes lawn service, a newly renovated clubhouse, a heated/cooled pool (pool remodel will be finished mid March per HOA rep), shuffleboard courts, cable, internet, and reclaimed water for the lawn. Location? You’re just minutes from Freedom Lake Park, 30 minutes to world-famous beaches, and only 20 minutes to both St. Pete Airport and Downtown St. Pete, including the iconic St. Pete Pier.
Source: STELLAR #TB8355244
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 #TB8355244
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.