6463 Facet Ln, Port Charlotte, FL 33981
3 beds · 2 baths · 1,343 sqft
Welcome to your Florida dream home—where style meets comfort in every corner! This stunning, renovated 3-bedroom, 2-bathroom gem with flex space is ready for you to move in and start living your best life! With brand-new upgrades throughout, this home radiates modern luxury and style. Step inside to discover sleek, luxury vinyl flooring that flows through every room, accented by fresh baseboards and a coastal NEW interior paint scheme. Modern lighting, contemporary ceiling fans, and abundant recessed lights create a bright, inviting atmosphere that feels like new construction! The heart of the home and a chef’s dream kitchen that wows with all-new, high-end appliances, a spacious sink, and efficient disposal. Enjoy sleek countertops, custom cabinetry, that ties the whole look together! Even the garage is fresh and ready with epoxy flooring and newly painted interiors, a perfect combination of form and function. This home goes beyond aesthetics, featuring a NEW HVAC 2023. With a newer 2-year-old roof and many details inside freshened up. Updated windows (some impact) you can look forward to years of easy maintenance. Finally, step outside to a tastefully landscaped fenced yard with mature large trees and refreshed new exterior paint with a charming, eye-catching front door. This home is more than just move-in ready; it’s a modern sanctuary waiting for you to call it your own! Within minutes of grocery store, home improvement, restaurants and 15 minutes from the beach.
Source: STELLAR #N6137890
Financials
Source: STELLAR #N6137890
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.