4908 Wild Senna Blvd, Tampa, FL 33619
4 beds · 2 baths · 1,936 sqft
This exceptional one-story residence, situated in Tampa’s Touchstone community, offers the advantage of no rear neighbors and is ready for immediate occupancy. The backyard presents a breathtaking view, ideal for appreciating the stunning sunrises that grace the area. Constructed by Lennar in 2021, this meticulously cared-for property exemplifies the nearly new condition of the HARTFORD model. Upon entry, you will discover a thoughtfully designed split floor plan featuring three guest bedrooms and a full bathroom, with the primary suite conveniently located at the rear of the home. The spacious primary bedroom serves as a serene retreat, providing ample space for relaxation. The Master Suite bathroom is equipped with a generous shower, double vanity, water closet, linen closet, and an impressive oversized walk-in closet complete with an Organized Closet System. The three additional bedrooms, each featuring built-in closet systems, along with a guest bathroom that includes a tub/shower combination and a floor-to-ceiling linen closet, ensure ample accommodation for family and guests. The heart of this home is the open-concept living area, which boasts a large great room that seamlessly connects to the dining area and a well-equipped kitchen, fostering a warm environment ideal for entertaining. The modern kitchen, designed for the culinary enthusiast, features a spacious island with a breakfast bar, sleek Stainless Steele appliances, and generous cabinet and counter space, including 36-inch staggered cabinets and granite-look laminate countertops. With its expansive central island and roomy walk-in pantry, this kitchen is a true delight for any cooking aficionado. Natural light floods every corner of the home, while the volume ceilings and neutral color scheme provide an excellent canvas for personal decor. Each room is fitted with upgraded ceiling fans. The backyard serves as a tranquil oasis, perfect for hosting gatherings or enjoying quiet evenings under the stars. Relax on the serene stone-paved patio, which is fully fenced for privacy and free from any rear neighbors. The two-car garage adds to the convenience of this remarkable property.
Source: STELLAR #TB8353237
Financials
Source: Public records
Source: STELLAR #TB8353237
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.