9341 Oceanspray Blvd, Englewood, FL 34224
4 beds · 2 baths · 1,998 sqft
CHARMING home nestled in the heart of Englewood East! Designed for easy living, this DELIGHTFUL and WELCOMING property is filled with natural light that allows the beauty of the outdoors to fill every space! The crowning jewel is the magically landscaped backyard surrounded by a privacy fence -- an oasis of tranquility! A brand-new gazebo sets the perfect scene for entertaining guests on summer nights or simply enjoying peaceful mornings sipping coffee with the soothing sounds of the koi pond waterfall serenading you. At almost 2000sqft under AC, the house itself is thoughtfully designed with a fabulous flow! High cathedral ceilings create a sense of grandeur in the living areas while the kitchen is a functional & cozy space complete with a large breakfast nook and a generous closet pantry. The open living and dining areas offer plenty of room for relaxation or gathering while a separate office provides an ideal space for work, study, or as a 4th bedroom (closet included). The split floor plan is another highlight! The spacious primary suite is complemented by a separate, flexible room—perfect for use as a sitting room, exercise room, or nursery. The ensuite bathroom and walk-in closet are additional perks! On the opposite side of the home, the two additional bedrooms and additional bathroom offer privacy for family or guests. RECENT UPGRADES include a brand-new 2023 shingle ROOF, a 2021 HVAC SYSTEM, corrugated metal HURRICANE SHUTTERS for the entire home (providing added protection during storm season/peace of mind), 2017 New Septic Tank, overhead plumbing, added blown-in insulation, insulated windows (all designed to help keep cooling costs low year-round). Storage is abundant with workbenches in the garage and a separate shed/work area in the backyard. Location is key! This home is situated just minutes from Englewood's Historic Dearborn Street, where you'll find charming boutiques, delicious restaurants, weekly farmers markets, and local music festivals that highlight the vibrant culture of the area. Additionally, the beautiful beaches of Englewood Beach, Manasota Key, and Boca Grande are just a short drive away giving you endless opportunities for outdoor recreation, relaxation, and coastal fun. Don't miss out on this stunning home in a prime location—schedule your tour today and experience the perfect blend of comfort, style, and coastal living!!
Source: STELLAR #D6140829
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: STELLAR #D6140829
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “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.
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 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.