6915 Sea Stone Ct, Apollo Beach, FL 33572
4 beds · 3 baths · 3,139 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Live the ultimate Florida lifestyle in this stunning 4-bedroom, 3-bath Longboat model pool home, built by Homes by WestBay, located in Waterset! This Silver Package home offers an exceptional floor plan featuring an extended owner’s retreat, a versatile bonus room/den, and 16 feet of sliding glass doors—complete with electric blockout shades—overlooking the private and sparkling saltwater pool. All of this AND located within an X FLOOD ZONE! Inside, you’ll love the open layout and spacious kitchen, featuring a large center island with seating, quartz countertops, stainless steel appliances, a walk-in pantry, and natural gas appliances, including a tankless water heater. The split floor plan provides privacy, and the primary suite feels like a true retreat with a luxurious soaking tub, step-in shower, and an expansive walk-in closet with custom organization. The third bathroom doubles as a convenient pool bath, and the fourth bedroom is perfect for an office or craft room. Durable luxury vinyl plank flooring runs throughout the main living areas, complemented by plantation shutters and 8-foot doors for an open, airy feel. Enjoy movie nights or playtime in the bonus room, and stay organized with a spacious laundry room complete with custom cabinetry and a laundry sink. Outside, relax in the beautiful PebbleTec-finished pool with a bubbler and spillover feature. The home’s exterior is pre-plumbed for an outdoor kitchen with gas, water, and electric connections. Additional upgrades include a 3-car garage with overhead storage, Culligan water softener system, Centricon termite bait system, security system covering all doors and windows, gutters, and two drywells with an in-ground cistern for managing summer rains. Waterset is adding a third clubhouse and fifth pool to the community! The Founder’s Club will soon be the newest clubhouse amenity with a lagoon-style resort pool, 8 pickle ball courts, gathering spaces, a fitness room, and so much more. There are countless opportunities to enjoy the sunny weather, stay healthy, relax, and live like you’re on vacation when you call Waterset home. This home has it all—style, comfort, and all the features you need to enjoy Florida living at its best! We look forward to seeing you. Welcome Home!
Source: STELLAR #TB8359965
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8359965
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.
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.
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.
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.
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.
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.
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 and Equal Opportunity Act.