8310 Alberata Vista Dr, Tampa, FL 33647
2 beds · 2 baths · 1,692 sqft
Welcome to Your Dream Home in a Premier Gated Community! This stunning residence, built in 2018, offers two spacious bedrooms AND A BONUS ROOM, which can be used as an office, den, or another bedroom. This home combines modern luxury with serene living in an exclusive gated enclave. The home boasts an oversized, fully screened-in brick paver patio, perfect for relaxing or entertaining while enjoying picturesque views of the tranquil pond in the backyard. Step inside to discover a beautifully designed open-concept layout. Rich wood flooring flows seamlessly from the living area through the kitchen and dining room, extending out to the screened lanai. The gourmet kitchen is a chef's delight, featuring stainless steel appliances, quartz countertops, and an abundance of counter space for all your culinary creations. Outside, you'll appreciate the elegance of the brick paver driveway leading to the two-car garage, complemented by gutters that ensure proper drainage during Florida's rainy seasons. Best of all, the HOA takes care of lawn maintenance, allowing you to enjoy a pristine yard without the hassle of mowing. The community amenities are second to none, including a sparkling pool, tennis courts, clubhouse, fitness center, and more. Conveniently located just a short drive from an array of retail shops, dining options, and grocery stores, this home offers the perfect blend of luxury, comfort, and convenience. Don't miss the opportunity to make this exceptional property your new home!
Source: STELLAR #o6235514
Source: STELLAR #o6235514
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: #o6235514