6318 S Harold Ave, Tampa, FL 33616
4 beds · 3 baths · 2,122 sqft
Welcome to this beautifully customized newer construction (2020) located near MacDill Air Force Base in the heart of South Tampa, and best of all, it’s in Flood Zone X! From the moment you arrive, you'll be captivated by the charming Bahama shutters that not only add to the home’s coastal appeal but also provide protection during hurricane season. The meticulously maintained landscaping is truly a showstopper and sets this property apart from the rest. Inside, the open-concept design is enhanced with thoughtful upgrades, including an expanded island in the kitchen, upgraded countertops and backsplash (2023), and designer wall elements that bring character and style to the space. Upstairs, the luxurious primary suite features elegant tray ceilings, a spa-like ensuite with a soaking tub, and an oversized walk-in closet that is sure to impress. The generously sized secondary bedrooms are a rare find in newer construction homes, offering plenty of space and comfort. Storage is abundant throughout, with built-ins in the newly redesigned laundry room and ceiling racks in the garage to maximize organization. The garage is also equipped to charge an electric vehicle, making it perfect for eco-conscious homeowners. The beautifully landscaped backyard offers plenty of room for a pool or, if you just prefer, a peaceful, shaded retreat. With its prime location, you’ll be just minutes away from all that South Tampa has to offer, and a quick drive over the bridge takes you to the vibrant scene in St. Pete. Don’t miss this opportunity to own a stunning, move-in-ready home in one of Tampa’s most desirable neighborhoods! 4.75% ASSUMABLE VA LOAN (VETERAN TO VETERAN) WITH TRANSFER OF ENTITLEMENT. ONLY QUALIFYING VA BUYERS ELIGIBLE FOR POSSIBLE ASSUMPTION.
Source: STELLAR #TB8362024
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 #TB8362024
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.