630 Limona Woods Dr, Brandon, FL 33510
6 beds · 4 baths · 3,679 sqft
Welcome to the Estates at Limona Woods, a serene, gated community, centered in the heart of Brandon, Florida. Revel in the spaciousness of this 6-bedroom, 4-bath home on an oversized .31-acre lot, ideal for families or multi-generational living. The interior does not disappoint with roomy owner's retreat and sizeable en suite bath with generous walk-in closet. Culinary adventures await in the kitchen, outfitted with maple cabinets, granite countertops, walk-in pantry, and modern appliances. A grand dining room accommodates gatherings easily, while a front bedroom offers flexibility as an in-law suite with attached bath. Two other bedrooms/offices on the first floor share a bath. A large laundry room, with granite countertops and cabinetry, adds practical luxury. Upstairs, discover a 40 x 20 multi-use bonus room prewired for surround sound, alongside two additional bedrooms and bath. Swing open your living room's custom leaded French doors with sidelights to enjoy your private outdoor oasis. With enclosed screen and paver deck, you’ll enjoy swim parties with a saltwater pool (2022)… with state-of-the-art Pentair Pump/Filter system, bubbler, waterfall, sun shelf, and color LED lighting, which creates a dazzling aquatic experience. Indulge in al fresco dining with an outdoor kitchen, featuring BULL grill, rotisserie, side burner, and refrigerator set in sleek granite countertops. Top it off with an expansive fenced rear lawn for playground equipment, pets, or gardening, and you will never leave home! Enjoy the savings realized from the 32 Solar Bear roof panels (paid off) ensuring eco-friendly living. These panels allow owners to utilize a constant year-round pool temp of 80 degrees, maintain interior of home at 72 degrees, while piloting the 3-year-old Carrier Infinity Eco HVAC system with HEPA filters, de-humidifier and UV system at a reasonable cost. The current average bill is about $140 monthly versus the average $400 bill before installation of solar panels! Brinks Security system adds even more safety to your home. For veterans, ask about assuming a lower interest rate VA loan. Located conveniently to downtown Tampa, Hyde Park, MacDill AFB, and Tampa International Airport, shopping, and fine dining, this property provides both convenience and excellence in living. Plus, you can take advantage of educational options through public schools or ask about a special scholarship program for private schooling. Your search for the ultimate family residence ends here!
Source: STELLAR #u8247500
Source: STELLAR #u8247500
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: #u8247500
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.