5509 Bluejay Ln, Tampa, FL 33625
6 beds · 2 baths · 2,521 sqft
Indoor-Outdoor Living at Its Finest! This exceptional home offers the perfect blend of stylish interiors and resort-style outdoor living. A brand-new paver driveway with ample off-street parking leads to an inviting front door entry. Inside, the open floor plan seamlessly connects the kitchen, dining, and living areas, creating an ideal space for entertaining and everyday living. The chef’s kitchen is a true showstopper, featuring a large island, granite countertops, shaker cabinets, stainless steel appliances, and an added coffee/wine bar with a wine fridge. The spacious dining area comfortably seats 10, while the cozy living room boasts a wood-burning fireplace beneath the TV. Skylights flood the space with natural light, and a versatile bonus room/office adds flexibility to the layout. The primary suite is a private retreat with vaulted ceilings and a stylish barn door leading to a spa-like bath with a custom tile shower and dual sinks. A spacious second bedroom overlooks the gorgeous pool, while the third and fourth bedrooms are set on the opposite side of the home for added privacy. A beautifully remodeled second full bath enhances the home’s modern appeal. The garage was converted to a large office during prior ownership. It has since been thoughtfully remodeled into additional bedrooms 5 and 6. The space can work as an as in in-law suite or can be converted back to a 2 car garage. A dedicated laundry room completes the interior. STEP OUTSIDE TO YOUR BACKYARD OASIS! Situated on a ¼-acre, fully fenced, pie-shaped lot, this outdoor space is designed for relaxation and entertaining. Enjoy a covered patio with a TV, bar seating, and fridge, along with a grilling area under a metal shade with additional bar seating. A stunning rock water wall cascades into the reflection pool, creating a tranquil escape. A separate cabana-style covered seating area offers the perfect spot to unwind. For added convenience, an outdoor bath with a shower is included, and a shed with AC provides extra storage or workspace. Roof 2019. AC 2020. Water heater 2023. This one is move-in ready! Call today before its too late!
Source: STELLAR #TB8362017
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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
Source: STELLAR #TB8362017
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “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.
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 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.