6487 Ashley Dr, Lakeland, FL 33813
6 beds · 6 baths · 5,925 sqft
Nestled at the tranquil end of a private cul-de-sac within the gated Ashley Community, this Tuscan-style residence embodies luxurious living at its finest. **Assumable VA loan with Low Rate of 2.875- Veterans only so seller can retain VA status**The home boasts 6 bedrooms, 5.5 baths, a bonus room, and an office. The heart of the home, the kitchen, is a culinary haven featuring granite countertops, state-of-the-art appliances including a double oven and sub-zero refrigerator, and a walk-in pantry. With an open layout seamlessly connecting to the inviting family room, adorned with abundant natural light, the kitchen overlooks the picturesque pool and spa area, creating a perfect ambiance for gatherings and relaxation. The dining room showcases unique brick accents and elegant built-ins, adding character and charm to every mealtime. Retreat to the primary suite, complete with a jacuzzi tub, a walk-in shower, and double vanities, offering a serene sanctuary for relaxation and rejuvenation. Upstairs, discover four additional bedrooms, two baths, a bonus room, and an extra laundry room, providing ample space for family and guests alike. The three-car garage, upgraded with beautiful ceramic tile flooring, offers convenient access to a spacious storage room, ensuring functionality and organization. The home has a well for irrigation, a Generac generator, water softener, and propane gas, this home seamlessly combines comfort and convenience. Conveniently located near shopping, the Polk Parkway, and other amenities. Experience luxury living—schedule your private viewing of this extraordinary home today.
Source: STELLAR #l4943288
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #l4943288
Source: Public records
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: #l4943288
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.