4422 HAVELOCKE DR, Land O Lakes, FL 34638
PRICE REDUCED.. Seller motivated !!Welcome to this stunning 4-bedroom, 2-bathroom Suarez Woodvine home located in the highly desirable Marchmont subdivision within the Oakstead community. This home has been thoughtfully updated with elegant laminate hardwood flooring throughout much of the living space and features soaring vaulted ceilings that create an open and airy atmosphere.The kitchen is a true showstopper, boasting gorgeous 42" cabinets, a spacious island, and a gas stove, perfect for any culinary enthusiast. Renovated just 2 years ago, the kitchen is practically brand new and includes sleek granite countertops, a stylish backsplash, a stone sink, and appliances. With ample counter space, this kitchen is ideal for both everyday cooking and entertaining. The master bedroom is a serene retreat, complete with an en-suite bathroom that features a luxurious stone tile shower with dual shower heads and controls on opposite sides, as well as dual sinks. The home includes a large upstairs bonus room with its own separate A/C unit. This home has been freshly painted on the inside just a year ago, with the exterior receiving a new coat of paint 2 years ago, adding to its pristine condition. Situated on a larger lot that overlooks a tranquil conservation area, this home offers privacy and is located on a quiet street with minimal traffic. The Oakstead community provides an array of amenities, including a community pool, kiddie pool, tennis and basketball courts, a clubhouse with an exercise room, a beautiful nature walk, and more. Don't miss the opportunity to see this must-see home! The CDD fee grants private access to the Oakstead Community clubhouse, a saltwater community pool, fitness and weight room, basketball and tennis courts, as well as beach volleyball courts, a baseball and soccer field, playground, and nature trail. Schedule your showing today!!!
You may be able to put down less than the total down payment amount of $195,597 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #t3546547