6520 15th St N, Saint Petersburg, FL 33702
3 beds · 1 baths · 1,084 sqft sqft
** OFFERING UPTO A 1% RATE BUYDOWN WITH PREFERRED LENDER. INQUIRE FOR MORE DETAILS **Welcome to Your Perfect St. Petersburg Oasis! Step into this charming and updated gem, nestled on a serene, tree-lined block that offers the ideal slice of St. Pete living. This beautifully maintained home features a refreshed bathroom and a delightful, beach-inspired kitchen, complete with crisp white cabinets, gleaming granite countertops, and modern stainless steel appliances. The spacious 55 sq. ft. laundry room is equipped with a full-size washer and dryer and even offers the potential for adding a half bath! You'll love the warmth and durability of luxury vinyl wood flooring throughout. Feel secure with impact-resistant windows and a state-of-the-art smart home security system. A water filtration system ensures clean, fresh water for you and your loved ones. No flood insurance is required, and the double concrete driveway provides ample parking space, with a side yard that offers extra room for your RV or boat. The vinyl-fenced 75 x 100 lot guarantees privacy, and the 12 x 12 shed is perfect for all your storage needs. Plus, take a refreshing dip in your own private pool! Convenience is key with this location, offering quick access to downtown St. Petersburg's vibrant shopping, dining, art galleries, and museums. Tampa International Airport is also just a short drive away, making travel a breeze. With a motivated seller eager to relocate, this is your opportunity to live the Florida dream with all the convenience you could wish for. A FREE 1-Year Home Warranty provides peace of mind from day one. Don’t wait—your perfect home is waiting for you!
Source: STELLAR #u8248562
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #u8248562
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: #u8248562
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.