9213 Spring Cir, Port Charlotte, FL 33981
4 beds · 4 baths · 2,470 sqft
New to the Market! Original Owners have Lovingly Upgraded, Maintained & Serviced this HARD TO FIND - 1 Level 4 bedroom 3 Bath Home with a 3 Car Garage. Mature Landscaping with Curbing Show Off the Details of the Front Façade with Stone Accents & Decorative Columns that Frame the Front Porch. Once Inside You are Welcomed by the Large Foyer with Accent Wall and Tray Ceiling. To your right, Enter the Double Frosted French Doors into the Den/Office Large enough to Accommodate Two Work Spaces with a Unique Inset Accent Wall, with Natural Light & Fan This is a Perfect Place to Work or Craft. To the left of the Foyer is the Access to the Garage, This Wing has a Private 4th Bedroom 15 x 11 with New Carpet & a Conveniently placed Guest Bathroom, Notice the Custom Wood Accent Wall. These Custom Details are Repeated throughout the Home. The Open and Inviting Main Area of this Home is Central to Everything that Happens and Encompasses The Kitchen, Dining, Living Room & Nook. There is A Lot to Soak In, So I will Break Down the Areas. First A True Chefs Kitchen, With Granite & an Oversized Center Island, 42 Inch Wood Cabinets with Crown Molding & Soft Close Doors & Drawers, Under Cabinet Lighting, Backsplash, Stainless Appliances & Pantry. Cook up a Feast and Lay out a Spread. This Kitchen can Handle the Task and then some, Just look at all that Storage and Counter Space. Adjacent to the Kitchen is the Nook but it's Not your Average, This Beauty has been Enhanced by a Coffee & a Beverage Bar Area. Notice the Custom Shelves and Lighting. The Dining Room is on the Opposite Side of the Kitchen This Space is 10 x 15 feet & can Accommodate any Size Table. The Decorative Custom Wood Accent Wall adds to the Charm & Warmth of this Area along with the Contemporary Lighting. All of these Areas Overlook The Living Room, The Built In Media Wall with Accented Floor to Ceiling Book Cases Flanked By 2 Side Windows sets the Tone for a Place to Relax and Enjoy The Big Game, A Movie/Trivia Night or Listen to Some Tunes and Read a Book. The Sliders From The Living Area to the Screened Lanai offers a Cozy Place to get a Florida Breeze. Let's Continue Our Tour, The next Area is where you will Find the 3rd Bathroom with Accent Wall and a Tub/Shower Combo. The Laundry Room is Completely Upgraded with Cabinets and Storage & Full Size Washer/Dryer. Bedrooms 2 (12x12) and 3 (13x11)are both Nicely Appointed with Built In Closets, New Carpet & Ceiling Fans. The Owners Bedroom & Ensuite Bathroom is a Tranquil Retreat with Granite Counters, Double Sinks, Walk-In Tile Shower & 5ft Garden Tub. The Walk-in Closet is Double Racked for Maximum Space. Heading Outside From the Living area through the Sliders & Lanai to the Backyard Patio. All done with Pavers this Exceptional Area is Hard to Beat, A dedicated Bar-Be-Que Area with Lighting & Privacy Fence, A Fire Pit to the Side with Great Views of the Sunsets & Stars, Room to Expand and Make it What you want. Planter Beds in Place with a Separate Storage Shed. This Back Area is Large enough to put in a Pool if you so Desire. Extra Home Features Include Whole House Gutters, Window Treatments, Hurricane Shutters, Ring Security System, Nest Thermostat, Energy Efficient, Enclosed Fenced Area for Trash Cans, Trane A/C System. The New Carpets installed 2/25 are all Stain Master with Upgraded Padding. The 3 Car Garage has Epoxy Flooring with Storage Racks and Attic access has Pull down Ladder. Your New Home is Waiting, Live the Florida Dream!
Source: STELLAR #D6141366
Financials
Source: Public records
Source: STELLAR #D6141366
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.
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