456 Longley Dr, Port Charlotte, FL 33953
4 beds · 3 baths · 2,553 sqft
PRICE IMPROVEMENT - A DEAL OF A LIFETIME!!! AMAZING 2 HOME SPECIAL FOR ONE LOW, LOW PRICE! BOTH HOMES COMPLETELY UPDATED! BEST PRICE IN THE AREA PROBABLY! (HINT -PAY YOUR HOUSE PAYMENT WITH RENTAL ) ONE OF A KIND beautiful pool home and separate rental or guest home on a double lot with additional parking, an RV pad with electricity, HUGE SHED with electricty. Both of these homes have been completely updated with new roofs, ac, floors, hurricane impact windows, paint, carpeting, remodeled kitchen with tiled backsplash, quartz counters, and all new stainless steel top of the line appliances. Bathrooms have new vanities and quartz counters. The outdoor kitchen and lanai and enclosed front entry have been newly tiled. All of the bedrooms have walk-in closets for the additional storage you need and a pantry has been added as well. The split floor plan with a family room and pocket door separate the guest bedrooms for privacy. The Guest home is lovely with a spacious living room, dinette area, kitchen, large bathroom and sitting area and closet plus a laundry and storage room. It is completed with a screened lanai for enjoying the Florida fresh air and watching local wildlife. Add a heated, saltwater pool and tiled lanai (with great outdoor kitchen) and you have the perfect Florida home you have dreamed of. This property is in an X FLOOD ZONE and shouldn't require flood insurance. Located close to 5 beaches, the vibrant cities of North Port and Port Charlotte with outstanding entertainment, restaurants and shopping and within 1 and 1/2 hours of several airports, you can have it all! YOU HAVE TO SEE THIS TO BELIEVE IT! YOU WON'T BE DISAPPOINTED!!! Generous seller ready to negotiate with a good offer. Call for details! SELLER WILL HELP WITH A MORTGAGE RATE BUY DOWN OR VA ASSUMABLE MORTGAGE TO GET YOU A GREAT DEAL! Down payment on VA would have to be substantial. Beautiful lanai furniture stays with a good offer. Seller is ready to negotiate for this great property. NO HURRICANE DAMAGE OR FLOODING. Roof - 2023 - AC - 2020, Water Heater - 2022. Rooms sizes are approximate. Praying soldier does not convey. Smoker in outdoor kitchen does not convey. No washer and dryer in smaller home.
Source: STELLAR #d6137272
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #d6137272
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: #d6137272
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.