4312 Silver Falls Dr, Land O Lakes, FL 34639
3 beds · 3 baths · 1,536 sqft
Welcome home! Don't miss your opportunity to become a homeowner in the thriving and developing Pasco County Florida. This fantastic townhome is nestled in the heart of Land O Lakes, Florida, offering the perfect combination of a small-town feel, amazing weather, beautiful landscapes, resort style communities, and fabulous recreational opportunities. Home is eligible for up to $10,000 in Down Payment Assistance for first-time home buyers or any eligible veteran (eligibility and restrictions vary). And $5,000 seller credit available to be used at buyers discretion. This renovated, turn-key Land O Lakes gem is perfectly situated in the heart of the thriving Pasco County hub with NO CDD and low monthly HOA fee. Conveniently located a stone's throw from The City of Lutz and Wesley Chapel, under 9 miles from Florida's first lagoon The Epperson Lagoon, under 10 minute drive to Tampa Premium Outlets, first-of-its-kind KRATE at Wesley Chapel container park housing unique shops and restaurants, The Grove at Wesley Chapel community center anchored by popular national and regional retailers, local boutiques, and family entertainment. And less than 35 minutes from Tampa International Airport and more! This 3-bedroom, 2.5-bath, 1-car garage home provides over 1500+ sq. ft. of custom finishes and features that promise to wow you as soon as you walk in. Modern porcelain tile flooring and recess lighting throughout. The open-concept floor plan shines with the kitchen and living areas flowing together providing ample space to entertain. The kitchen is truly the heart of home as the home chef has plenty of counter space, featuring stunning quartz countertops, stainless steel appliances, hood vent, double sink, and solid wood crown molded cabinets. The living area flows outside to a porch, with a view of a conservation area creating a perfect place to relax and unwind after a long day. Head upstairs to split bedroom floor plan, separating the owner suite from other bedrooms spacious enough, for family, home office or playroom. Your spacious owners suite, is highlighted with a walk in closet and beautifully updated en-suite featuring quartz countertops, solid wood dual vanity, contemporary lighting, tiled shower wall and porcelain tile flooring. Schedule your private showing today so you can check out the beautiful details of this home in person and start enjoying the Florida living lifestyle!
Source: STELLAR #tb8329781
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8329781
Source: Public records
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: #tb8329781
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.