4320 W Laurel St, Tampa, FL 33607
4 beds · 3 baths · 1,512 sqft sqft
A diamond in the rough that has survived the last 2 hurricanes that never lost power, never flooded and has had ZERO issues from weather related events!!! Built in 2016, discover this 4-bedroom, 3-bathroom gem that has everything you need and more. At the heart of the house is the gourmet kitchen, complete with 42 inch cherry cabinetry, stainless steel appliances, tasteful backsplash and a huge granite island perfect for gathering around and entertaining. Each of the four bedrooms is a private retreat, featuring custom built-in closets and additional built-in storage or desks, making it ideal for families and professionals alike. The three full bathrooms are equally impressive, each featuring granite countertops, walk-in showers with custom designer tile and marble with dual showerheads for a spa-like experience at home. Through the french doors you’ll escape to your private backyard oasis completely fenced in with a pavered sitting area and comes with full irrigation & french drains. You'll also appreciate the 2-car garage, giving you plenty of space for your vehicles and extra belongings. Plus, the home comes with extra goodies such as a brand-new water heater, water softener, security system and washer & dryer for added comfort and convenience. This home is perfectly positioned for convenience and entertainment. You'll be just minutes away from Tampa International Airport, making travel a breeze. Luxury shopping at International Mall, fine dining options, and the excitement of Raymond James Stadium are all within a 5-minute drive. Plus, enjoy the natural beauty of Cypress Point Park or beaches at Ben T Davis whenever you need a quick escape. Come see it for yourself and imagine making this wonderful house your home!
Source: STELLAR #t3551987
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3551987
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: #t3551987
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.