5441 Worthington Loop, Palm Harbor, FL 34685
4 beds · 2 baths · 2,194 sqft
Look at this new updated Price! You won't want to miss this one! Welcome home to the neighborhood of Windemere at Ridgemoor. This beautiful property boast such pride of ownership in all the updates recently done. Nothing to do but move in and relax. The entire home has been carefully designed and features beautiful upgrades throughout. Upon entering you will be greeted with an open floor plan that combines a great space, ready to entertain. The kitchen with all new cabinets and quartz countertops opens to a bright and cozy breakfast nook looking out to the pool. The family room has a large feeling with vaulted ceilings and an inviting wood fireplace for those few cold winter Florida evenings. The large inviting dining room makes it easy for all the holiday guest. Enter into the spacious Master retreat, with a newly added fireplace built into the wall for extra ambiance that you won't ever want to leave. The room has built in dressers for space across from the walk in closet and features a very lovely redesigned master bath. With a split floor plan, there are 3 nice sized bedrooms ready for all your extra needs. With a second bath leading out to the pool, no need to have wet floors throughout your home. So easy. Are you ready for some relaxing evenings by the pool or for the ultimate entertainment space for game night or how about some sports on the large tv on the back patio? This cozy space has it all. Even the pool is heated and ready year round! A treasure Cove you wont wan't to miss! AC 2021 Hot water heater 2024 Pool Resurfaced with Turtles worked into the design in 2022 French drain in backyard installed 2023
Source: STELLAR #TB8359262
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 #TB8359262
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 of Equal Opportunity Act.