8915 Pandora Ln, Port Richey, FL 34668
4 beds · 2 baths · 1,440 sqft
HIGH AND DRY! ABSOLUTELY NO FLOODING OR ANY STANDING WATER ON THIS STREET OR ANY SURROUNDING STREET FROM THESE MOST RECENT POWERFUL STORMS. Also no damage to the house! Welcome to this fully remodeled 4-bedroom, 2-bathroom home! This renovation includes a brand new roof(2024), brand new AC (2024), water heater (2024) and brand new high efficiency windows (2024). The kitchen has brand new cabinets and quartz counter tops along with all stainless steel appliances. The home has just been freshly painted inside and out with upgraded elastomeric paint on the exterior. Both bathrooms have been completely updated and equipped with updated vanities, tile flooring and modern sliding glass doors. The main floor throughout the house has been updated with waterproof luxury vinyl plank flooring. There are large closets in all 4 bedrooms including a HUGE closet in the primary bedroom. This home also has a large beautiful fenced in backyard, perfect for pets. The front of the house has a large driveway along with a circular driveway for plenty of parking. Surrounded by extremely nice and welcoming neighbors. This home is just minutes from US 19, schools, shopping, etc. You’re going to want to see this one. Seller is a license Real Estate Licensee
Source: STELLAR #o6252939
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6252939
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: #o6252939
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.