4130 Cape Haze Dr, Placida, FL 33946
3 beds · 3 baths · 2,550 sqft
BE STILL, MY HEART! ASSUMABLE VA LOAN (WITH QUALIFICATION) AT 3% FOR 30 YEARS!!! You CAN have it all, here in this lovely 3 bedroom/2 ½ bath home with a CAGED HEATED POOL and side entry two car garage! Accordion shutters all around offer peace of mind, and the Plantation Shutters add a touch of class! The spacious floor plan consists of a formal living room, featuring tiled flooring, a double tray ceiling with ceiling fan, and sliding glass doors to the lanai. The formal dining room is perfect for “sit down” meals, either while entertaining or during the holidays. It also has a modified tray ceiling, chair railing and tiled flooring. The office/den, just off the entry, provides a quiet place for “work from home” people, with hardwood flooring, chair rail and another ceiling fan. The chef’s kitchen has more than ample raised face cabinetry, and upgraded/updated granite countertops, including an island for extra work area! There’s a closet pantry for even more storage. Appliances include: Whirlpool Gold oven/range, Samsung microwave, Bosch French door refrigerator, (all less than 3 years old) and Samsung dishwasher. The breakfast bar provides a great place for morning coffee or an afternoon snack, and the adjoining breakfast nook, with Aquarium window providing a great view of the both the pool and GOLF COURSE, is perfect for a more casual meal. The family room, with a new rear window and another great GOLF COURSE VIEW has new carpeted flooring, new ceiling fan, and another set of sliding glass doors to the lanai. Escape to the Master Bedroom suite for your rest and relaxation, offering carpeted flooring making it easy on your feet, a 2’ bumpout providing extra floor space, two walk in closets, tray ceiling with ceiling fan, and sliding glass doors to the lanai. There’s both a half bath off one end of the Master suite, also serving as the Pool bath, plus a luxurious Master Bath with both a soaking tub and Roman shower, linen closet, New LED lighting, raised height double basin vanity with tiled countertop and new faucets, tiled flooring, privacy commode and linen closet. The two guest bedrooms on the opposite side of the house have carpeted flooring, crown moulding, ceiling fans, and wall closets, while the Guest Bathroom in between these two bedrooms has a combo tub/shower. The inside laundry means no doing laundry out in the hot garage! There’s a built in utility tub, upper cabinetry and a front load LG washer and dryer. Two car garage has pull down stairs providing easy access to the attic and extra storage, plus an automatic garage door opener. The CAGED quartz SWIMMING POOL (solar heated to go easy on your costs!) with PANORAMIC SCREEN will provide hours of either just relaxation while floating around on your float mat, or doing some water exercise. BEST OF ALL, THERE’S A gorgeous VIEW OF THE 18TH green of the Links golf course. TILE ROOF WAS NEW IN 2021 AND AC IN 2019. Cape Haze Windward is close to everything you may want – beaches, shopping, famous Boca Grande, world class tarpon fishing, one of a kind restaurantts and so much more! *CALL FOR MORE LOAN DETAILS*
Source: STELLAR #D6138541
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Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #D6138541
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.