5310 Sanderling Ridge Dr, Lithia, FL 33547
4 beds · 4 baths · 3,213 sqft
Get a free consultation call with an expert in the mortgage assumption process.
** VA assumable loan ** Step into luxury and style with this stunning WestBay Biscayne IV home, nestled in the highly sought-after Starling at FishHawk Ranch. From the moment you approach, you'll be captivated by the charming craftsman-style elevation, complete with stone accents, a pavered driveway, and a welcoming entrance framed by lush landscaping. Designed for modern living, this open-concept floor plan offers seamless spaces for everyday living and entertaining. As you step inside, you’ll be greeted by neutral tones and stylish board-and-batten molding. To your left, a spacious office with double French doors creates the perfect private retreat. The heart of the home is the expansive living and dining area, where tile floors and an abundance of natural light set the stage for memorable gatherings. The chef-inspired kitchen boasts stunning 42” espresso cabinets with crown molding, granite countertops, and stainless-steel appliances. A generously sized walk-in pantry, an oversized island with built-in seating, and a stainless-steel hood over the gas range complete this culinary masterpiece. Retreat to the tranquil master suite, where crown molding and dual walk-in closets create a true sanctuary. The attached master bath is designed for relaxation, featuring a garden tub, a spacious walk-in shower, and a private space to unwind. Two additional bedrooms and two bathrooms on the main floor provide a thoughtful split plan for added privacy. Upstairs, a bonus room, additional bedroom, and full bath offer plenty of space for guests or family making this home perfect for all stages of life. Step outside and enjoy the oversized screened lanai with tile flooring, overlooking a beautifully landscaped backyard that offers complete privacy—your personal oasis for outdoor relaxation and entertaining. With highly rated schools and exceptional community amenities, this home offers the best of FishHawk Ranch living. Don’t miss your opportunity to make it yours!
Source: STELLAR #TB8377025
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8377025
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.
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.
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.
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.
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 “Save search” 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.
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 620, 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 and Equal Opportunity Act.