VA loan
1 of 63
VA loan
$465,000

6907 Old Benton Dr, Apollo Beach, FL 33572

3 beds · 3 baths · 2,425 sqft sqft

Welcome to your stunning home in the popular Master planned community of Waterset in Apollo Beach! This meticulously maintained David Weekley home, built in 2015, offers the epitome of luxury living with custom touches and modern amenities. Boasting 3 bedrooms plus loft, 2.5 bathrooms, and a 2-car garage this home offers over 2400 sq ft providing ample room for both relaxation and entertainment. Once you step inside you are greeted by soaring ceilings that create an open and airy ambiance throughout the home. The heart of the home lies in the gourmet kitchen, a chef's dream come true. You will love the stainless steel appliances with a new natural gas range, high end light fixtures, granite countertops, 42" wood cabinets and an abundance of cabinet and counter space. The walk in pantry has custom wood shelving with plenty of room for all your essentials. The kitchen is as functional as it is beautiful. The expansive island provides additional seating and is perfect for gathering with family and friends. The open floor plan flows directly into the dining room and family room. The oversized family room has plenty of space for any sized furniture and you will love the floating built in entertainment center and floating built in desk! <<Upstairs you will find all 3 bedrooms and LOFT>> The luxurious master suite offers a peaceful retreat with over 400 sq ft, complete with a spa-like ensuite bathroom featuring dual vanities, a soaking tub and a separate shower. Two additional bedrooms and another full bathroom ensure comfort for the family and guests. The laundry room is conveniently located upstairs and includes a built in folding table. The loft space is so versatile and has lots of natural light. It is perfect for the home office, playroom or quiet reading space. The flooring downstairs is gorgeous luxury laminate which make cleaning a breeze. Sliders from the dining room lead to the lovely backyard space where you will find a custom 12" x 16" PERGOLA that covers the entire patio! This is the perfect place to unwind after a long day. The fenced in yard is very PRIVATE with plenty of room to add a pool and for your furry friends to run around. The 2 car garage is outfitted with 2 - 54" built in solid wood storage cabinets, a metal tool storage wall and additional built ins. Residents enjoy access to top-notch amenities including pools, parks, tennis courts, fitness center, walking trails and more. Waterset is also conveniently located near schools, shopping and restaurants and just minutes from I-75 with an easy commute to Tampa. Come check out this beautiful home today!

Interest rate 3
3.375%
With Roam
7%
The seller’s mortgage rate at the time the loan was originated.
Monthly payment 3
$2,057
With Roam
$3,014
Reduce your monthly payments by $956 when you assume this mortgage.
You also save $312,804 in total interest paid.

$25,386
Edit

You may be able to put down less than the total down payment amount of $25,386 and have the rest of the funds financed with a 2nd mortgage from a lender. 4

Interest rate and monthly payment estimated based on public records.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
Details
Home
Size
2,425 sqft
Price per sq ft
$205
Lot size
0.12 acres
Year built
2015
Type
Single Family Residence
HOA dues
$10.05

Source: STELLAR #t3509297

Loan
Remaining term
27 years, 3 months
Rate
3.375%
Monthly P&I
$2,057
Remaining loan balance
$439,613

Source: Public records

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

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.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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.

Frequently asked questions

What is Roam?

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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?

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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?

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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?

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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?

expand content

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.

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Last updated: Nov 21, 2024 09:45 am
Listing agent: Jeanne Jones (813) 610-9591
Listing provided courtesy of: CENTURY 21 CIRCLE (727) 351-0700
Details provided by STELLAR and may not match the public record.
MLS ID: #t3509297
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2024 MLS GRID. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.
$2,057/mo
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