8048 Roma Dune Dr, Wesley Chapel, FL 33545
5 beds · 4 baths · 3,531 sqft
Buy this home with an assumable VA loan! Welcome Home to this stunning 3531 sq/ft 5 bedroom/4 bathroom/4 car garage MI Homes Mira Lago model in the sought after Epperson Lagoon community of Wesley Chapel. This home is located on a homesite with a pristine and relaxing conservation, where no one can ever build behind you. It makes for the BEST evenings after a long day of work! Enter an inviting hallway that leads to the open living room and modern gourmet kitchen, with upgraded 42” cabinets with crown molding, NEW stainless steel GE appliances, and glass subway tile. The spacious kitchen also features a butler's pantry as well as a walk-in pantry with shelving for plenty of storage space. The kitchen has a center island, granite counters, and a breakfast nook. 10-foot ceilings are found throughout the first floor, with 8 foot doors leading to each room. There is a spacious guest room located on the first floor and can be an in-law suite with easy access to the bathroom. The open concept allows you to be in the kitchen and overlook the living room as well as that amazing view of the conservation. The breakfast nook sliders lead to the covered and screed lanai, where you can have an outdoor entertainment space. The home also comes with a grilling pad that was recently installed to enhance the outdoor space. There are hardwood floors and tile throughout the house. Carpet in the bedrooms. Entertain your family and friends in the second-floor oversized great room, perfect for movies or game night. The master suite has dual vanity sinks, larger shower, and a huge walk-in closet. This home has some amazing upgrades, like 6-inch baseboards, NEW interior paint, NEW hot water heater, shiplap focal wall, electric fireplace, and an oak hardwood staircase, and many more. There is a security system that features cameras around the home and a video doorbell. The owners have also installed a water softener system. Included with this home is access to ULTRAFi internet and TV, and the world-class amenities of the Epperson community. Residents enjoy exclusive access to the community’s centerpiece—an expansive 7.5-acre crystal-clear lagoon. This stunning lagoon offers a swim-up bar, water slides, kayaking, paddleboarding, and beach volleyball, along with cabanas, sandy beaches, and a variety of community events like live music and food trucks. With low HOA fees, this resort-style community also boasts dog parks, playgrounds, walking trails, and golf cart paths. Located just minutes from the KRATE outdoor mall, and within close proximity to Downtown Tampa, Tampa International Airport, and Orlando, this home in Wesley Chapel offers unparalleled convenience and entertainment. Experience the ultimate vacation lifestyle at Epperson, where every day feels like a getaway!
Source: STELLAR #tb8315276
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8315276
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: #tb8315276
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.