1786 Biarritz Cir Tarpon Springs, FL 34689
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About this home
Discover your perfect oasis in this charming three-bedroom, two-bathroom home featuring 1,487 square feet of thoughtfully designed living space. The split floor plan offers privacy and functionality, while the impressive living room measuring 13.6 by 26.9 feet provides an expansive canvas for entertaining and relaxation. The heart of this home showcases a spacious kitchen paired with a separate breakfast area, ideal for morning coffee or casual dining. Adjacent to the kitchen, you'll find a dedicated dining room perfect for hosting dinner parties or holiday gatherings. With a refreshing pool beckoning from the backyard, summer days will never feel quite the same again. The thoughtful split floor plan ensures the primary bedroom enjoys separation from the secondary bedrooms, creating a private retreat. Why continue paying rent when homeownership awaits? This property combines comfort, convenience, and Florida's coveted lifestyle in one attractive package. Location enthusiasts will appreciate the proximity to the world-renowned sponge docks, where maritime history comes alive through authentic Greek culture, waterfront dining, and unique shopping experiences. This vibrant destination offers everything from fresh seafood to handcrafted treasures, all just a short drive away. Schedule your showing today and imagine the possibilities that await in this delightful home.
Source: STELLAR #TB8431702
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Close stress-free in 45 days, handled start to finish by Roam.
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FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.