657 Hartford Dr NW, Port Charlotte, FL 33952
3 beds · 2 baths · 1,811 sqft
Spacious POOL HOME located in the heart of Port Charlotte features 3 Bedrooms, 2 Bathrooms and attached 2 Car Garage. This light and bright home offers a Living Room, Dining Room, well equipped Kitchen with dining area, Family Room and Inside Laundry. The Living Room features a wood laminate floor, cathedral ceiling and lots of natural light through large windows. The Dining Room has wood laminate floor and sliding glass doors to the Lanai. The Kitchen offers white cabinetry, tile backsplash, double sink, pass thru to the Lanai, dining area, refrigerator, dishwasher, oven/range and microwave. There is Lanai access via sliding glass doors from the dining area. The Inside Laundry offers a washer, dryer and laundry tub. Beyond the Kitchen is the spacious Family Room with tile floor, cathedral ceiling and skylight. The Master Bedroom features Lanai access via sliding glass doors, walk in closet and private bathroom with dual sinks, vanity area and tub/shower combination. There are two generous sized guest bedrooms both with walk in closets and the guest bathroom with tub/shower combination is also a POOL BATH. Your living space extends to the screened Lanai with large 30x14 inground swimming pool, covered area and plenty of deck for sunbathing. Other features include: sliding glass doors are pocket sliders, hurricane shutters, impact glass (Storm Force by Wincore), arched doorways, screened front entry. NO HOA. Utilities are county water and sewer. This home has immediate access to shopping, dining, entertainment and medical care. Only 12 minutes to historic downtown Punta Gorda, 5 minutes to the Port Charlotte Beach Complex,13 minutes to Charlotte Sports Park, spring training home to the Tampa Bay Rays, This home would be wonderful for a family or those expecting lots of winter visitors!
Source: STELLAR #c7495808
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #c7495808
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: #c7495808
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