6670 Paden Wheel St, Zephyrhills, FL 33541
4 beds · 3 baths · 2,423 sqft
PRICE REDUCED for this EYE CATCHING CORNER LOT HOME!! A beautifully upgraded home creating an upscale living experience! This remarkably decorated corner lot home is spacious and bright featuring 4 bedrooms, 3 bathrooms, a 3-car garage, a home office, a formal dining room, and a stylish kitchen overlooking a large family room. Volume ceiling, ceramic tile, and quality laminate flooring flow throughout this well-appointed home. Once inside, you’re greeted by an attractive dining room featuring a wood-crafted accent wall and built-in cabinets, all highlighted by a custom-built sliding barn door leading to a private home office. The large family room has a warm and inviting appeal and includes surround sound ceiling speakers, great for watching movies, sports, or entertaining. Overlooking the family room is an eye-catching kitchen offering plenty of cabinets accented by trendy quartz countertops, a convenient breakfast bar, and useful dinette seating. Additionally, there’s a stylish coffee and tea bar area, pendant and recessed lighting, a closet pantry, and all the stainless-steel appliances will stay! The spacious master bedroom includes laminate wood flooring and a huge walk-in closet. The master bathroom has a dual sink quartz countertop vanity, walk-in shower, and separate garden bath. This split bedroom floorplan includes 3 additional roomy bedrooms, each with ample closet space. Don’t forget about the convenience of a home office as a bonus too! Head outdoors to relax and unwind by the calmness of the saltwater pool surrounded by beautiful travertine tile, lush landscaping, accent uplighting, and stereo speakers all nestled in the privacy of your vinyl-fenced backyard. Additional highlights and features include a newly painted exterior, rain gutters, vinyl fenced yard, an inside laundry room, and a low-maintenance backyard with artificial turf. This smart home allows the homeowner to wirelessly control thermostats, lights, and other devices remotely through an internet connection using a smartphone or tablet. Smart home features include Google Home, controlled lighting throughout most of the house, Ring front door camera, exterior security cameras, and wireless music options. Residents of Silverado Ranch enjoy multiple community amenities including pool access, a playground, and a dog park. This home is in an excellent location close to area golf courses, a hospital, and lots of shopping options. Come see this home in-person today!
Source: STELLAR #TB8326887
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #TB8326887
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.