7735 Bingham Ct, Odessa, FL 33556
4 beds · 3 baths · 2,507 sqft
Under contract-accepting backup offers. One or more photo(s) has been virtually staged. Not affected by Helene or Milton, crystal clean, PRE-INSPECTED 4 bedroom, 2.5 bath, 2003 Florida-Contemporary home spanning 2500 sq ft over two levels of luxury living in the serene Berkford Place of Citrus Park neighborhood. In a community featuring just 68 EXCLUSIVE SINGLE-FAMILY RESIDENCES, this Southern-facing, QUICK CLOSE home is tucked safely on a cul-de-sac and just steps from a private entrance to the Upper Tampa Bay Trail which features miles of running, biking and walking paths. FRESHLY PAINTED inside and out and with ample storage including built-in garage cabinetry and custom closets. Citrus Park and surrounding Carrollwood/Westchase/Odessa is an area known for offering a perfect blend of privacy and convenience; located one mile to the Veterans Expressway, there is easy access to Tampa International Airport, downtown Tampa, Busch Gardens, USF, Macdill AFB and the pristine sandy beaches along the Gulf, just 30 minutes away! Purchase with peace of mind... clean 4-point inspection, wind mitigation report, and situated in a NO FLOOD ZONE area served by A-rated PUBLIC and CHARTER SCHOOLS. HVAC NEW 2021, TANKLESS HOT WATER HEATER 2018, ROOF 2018. Ecobee thermostats to ensure comfort and efficiency as well as monitoring by ADT and a transferable termite warranty with Pest Bear. Enter into the two story living room with open staircase, separate dining area, and onto the great room with 19 foot vaulted ceilings bathed in natural light. The open-concept design continues into the kitchen outfitted with 42” wood cabinetry, stainless steel appliances, gas range, 6 foot breakfast bar, butler’s pantry, laundry room attached to the garage, and two sets of sliding doors leading to a 350 sq ft OUTDOOR COVERED SCREENED LANAI and a GAS HEATED SALTWATER POOL with SPA. 4 spacious bedrooms are all located on the second floor with ceiling fans and custom-built closet shelving. The primary suite stands out with DUAL WALK-IN CLOSETS and a luxurious, updated en suite bathroom featuring two sinks, a large stone walk-in shower with a rainfall shower head, a linen closet, and a separate water closet. 7735 Bingham Ct. —it's updated coastal convenience at its best. Please see attached feature sheet for monthly expenses.
Source: STELLAR #t3547724
Source: STELLAR #t3547724
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: #t3547724
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.