4925 San Martino Dr, Wesley Chapel, FL 33543
3 beds · 3 baths · 2,047 sqft
Under contract-accepting backup offers. SUBSTANTIAL PRICE IMPROVEMENT! Exceptional curb appeal with stone accent, brick paver driveway and community maintained lush landscaping welcomes you to this gorgeous END UNIT 3-bedroom 3-bathroom townhome located in the highly desired community of Estancia at Wiregrass. This Vittoria floorplan offers an expansive family room with recess lighting, adjacent flex room perfect for home office and sliders that open to a 6x14 patio. Spacious island kitchen boast: sparkling granite countertops, designer tiled backsplash, completed stainless appliance package with gas stove,45-inch, soft close custom cabinetry with crown molding, vent thru microwave, closet pantry and a wonderful dinette area for your morning coffee. Elegant owners retreat includes tray ceiling, recess lighting, dual granite vanities, walk-in glass shower, huge huge walk-in closet and a spectacular, private balcony overlooking pristine common area. The two secondary, oversized bedrooms are serviced by an elegant full bath with all the decorative upgrades. Additionally…tankless water heater,6-inch baseboards, epoxy garage flooring, Smart thermostat, hurricane shutters,8-foot doors and more storage space then you will ever need. Resort-style Estancia amenities include 2 pools, fitness center, tennis and pickle ball courts, playground and nature trails. This meticulously maintained home is turnkey ready!
Source: STELLAR #t3537544
Source: STELLAR #t3537544
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: #t3537544