6519 Sparkling Way, Wesley Chapel, FL 33545
3 beds · 2 baths · 2,106 sqft
Stunning Wesley Chapel Home with Paid-Off Solar Panels – Move-In Ready! Welcome to exceptional living in Wesley Chapel! This meticulously maintained 3-bedroom, 2-bathroom home has been lovingly cared for by its original owners for the past eight years and is loaded with premium features that offer both luxury and efficiency. The paid-off solar panels provide huge energy savings, keeping your utility bills low and adding incredible long-term value to your investment! Plus, an assumable VA loan with a low-interest rate means even more savings on monthly mortgage payments. Nestled in a picturesque setting, this home boasts a durable clay tile roof and hurricane-impact windows, offering peace of mind while reducing insurance costs. The spacious 2-car garage includes an extended bay, perfect for a third vehicle, recreational toys, or additional storage, and comes equipped with an electric vehicle charging outlet—ideal for modern living. Step inside and be greeted by an expansive open-concept design, where 11-foot ceilings create a light and airy atmosphere. The chef’s kitchen features a large island, granite countertops, and a walk-in pantry, making it both stylish and functional. Elegant architectural details, including chic arches and pillars, add sophistication, while slate tile flooring throughout ensures durability, with cozy carpeting in the secondary bedrooms for added comfort. The oversized primary suite is a true sanctuary, featuring a double vanity with hip-height counters, a luxurious walk-in shower, and a massive walk-in closet—a dream for any fashion enthusiast! A formal dining room and versatile den provide additional space for entertaining, working from home, or indulging in your favorite hobbies. Outside, enjoy your own private backyard oasis! The fully fenced yard, bordered by white vinyl fencing, ensures privacy with no rear neighbors, thanks to the serene nature preserve. A tranquil pond view greets you from the front of the home, while the screened lanai offers the perfect setting for morning coffee, evening gatherings, or weekend BBQs. Located in a highly sought-after community, you’ll enjoy access to resort-style amenities, including parks, ponds, rivers, fishing spots, a lap pool, and a resort-style pool surrounded by lush landscaping. Plus, you’re just minutes away from Epperson and Mirada Lagoons, home to the world’s largest lagoon pools, where you can enjoy outdoor movie nights, food trucks, water sports, cabanas, slides, paddleboarding, and inflatable obstacle courses. With its unbeatable combination of luxury, energy efficiency, and prime location, this home won’t last long! Schedule your private showing today and experience all that Wesley Chapel has to offer!
Source: STELLAR #TB8333148
Source: STELLAR #TB8333148
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.