8443 Saint Giles Ct, Zephyrhills, FL 33541
3 beds · 2 baths · 1,472 sqft
MAJOR PRICE IMPROVEMENT!!! SELLER IS ALSO OFFERING $5K IN CONCESSIONS!!! Make this BEAUTIFULLY REMODELED HOME in a QUIET ZEPHYRHILLS NEIGHBORHOOD yours! WELCOME TO YOUR DREAM HOME!!! This stunning 3 BEDROOM, 2 BATHROOM gem offers 1,472 sq. ft. of modern living space with a thoughtfully designed OPEN FLOOR PLAN, perfect for entertaining and family gatherings. Located on a SPACIOUS corner lot, this home boasts a tranquil BACKYARD RETREAT with lush grass, fruit trees, a hammock, and a fire pit for enjoying Florida’s endless sunshine. Step inside to find a bright and airy layout with HIGH CEILINGS and a desirable split floor plan. The heart of the home is the completely REMODELED kitchen, featuring sleek shaker cabinets, gleaming granite countertops, a spacious island, and stainless steel appliances. Tile flooring flows seamlessly through the great room, kitchen, and dining area, with cozy carpet in all three bedrooms. The Primary Suite offers a serene escape with a walk-in closet and a spa-like bathroom showcasing a beautiful walk-in shower and modern finishes. Both bathrooms have been tastefully UPDATED with new tile, vanities, and fresh paint. Enjoy evenings on the NEWLY SCREENED lanai overlooking your expansive yard, perfect for relaxing or hosting friends and family. Plus, the home is equipped with ENERGY-EFFICIENT solar panels, keeping electric costs low year-round. Nestled in a peaceful community with no through traffic, this home combines comfort, style, and convenience. Don’t miss your chance to own this slice of paradise -- SCHEDULE your private showing today! CALL NOW and make this beauty yours! ***This home has an ASSUMABLE VA LOAN with 2.25% INTEREST RATE!!!***
Source: STELLAR #TB8321150
Financials
Source: Public records
Source: STELLAR #TB8321150
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.