902 Flatwood Ct, Brandon, FL 33511
3 beds · 2 baths · 2,860 sqft
One or more photo(s) has been virtually staged. ***PRICED BELOW APPRAISAL*** Beautiful custom 3-bedroom, 2-bathroom single-family split-bedroom plan home with a 3-car garage and a long driveway offering plenty of parking, all nestled on a sprawling 1.32-acre corner lot in the well-established neighborhood of Southoak in the Bloomingdale area. This beautifully maintained home boasts numerous upgrades, including all-new double-paned windows, a newer electrical panel and meter (2021), all newer plumbing, and new roof in 2021. Upon entering the foyer through the double front door, to the left, you'll find the formal living area, which connects to the spacious primary bedroom suite. The primary suite features ample space for a sitting area and a generous walk-in closet. The en-suite bathroom includes a garden tub, a separate shower stall, and a luxurious Woodbridge bidet with all the bells and whistles! A versatile den/bonus room off the primary suite can be used as an office or exercise room and offers a great view of the pool and outdoor area. To the right of the foyer, you will find the formal dining room adjacent to the great room, which boasts a cathedral ceiling, a cozy wood-burning fireplace, and a chef’s kitchen equipped with a large eat-in counter, decorative range hood and 3 ovens! The kitchen features specialty maple cabinets with sliding drawers, a cutting board drawer, a bread drawer, and 2 spice rack cabinets. The dinette area off the kitchen includes a built-in buffet with a picturesque view of the pool with a waterfall and outdoor space. The two secondary bedrooms are located off the great room and share a full bathroom, which conveniently doubles as a pool bathroom. Outdoor living is a true retreat, featuring a large covered area, concrete pool and decking (both resurfaced in 2022), new pool lights - to include new electrical panel and control panel updated in 2021, and a propane spa heater (2019). The lanai has been re-screened for added comfort, and there’s a convenient pool storage room with a sink, along with an additional 7x11 tiled storage space. HOA is only $150 paid annually. This home is located in a prime area of Brandon, with close proximity to Tampa and minutes to top-rated schools, shopping centers, and parks.
Source: STELLAR #TB8332018
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
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If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
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We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8332018
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.
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.
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.
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.
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 “Save search” 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.
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 620, 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.